Down Payment & Closing Cost Program

Down Payment & Closing Cost Program是面向Provincetown，Massachusetts购房者的延期第二贷款。 Provincetown's Down Payment & Closing Cost Program is funded by the Town's Community Preservation Act Community Housing reserve and administered by the Provincetown Housing Department. The program is intended to help year-round residents qualifying at the CPA 100% AMI or below afford the down payment and closing costs for purchase of a deed-restricted affordable Provincetown housing unit (LIP unit or equivalent). The loan is fully forgiven after 10 years of continuous primary occupancy. Up to $30,000 per eligible buyer toward down payment and closing costs for the purchase of an eligible deed-restricted affordable unit in Provincetown. Funded by the Town's Community Preservation Act (CPA) Community Housing reserve. Structured as a 0% interest deferred-payment loan. only repayable if the property is sold or transferred within 10 years of closing. 资金来自Local Government和CPA。

Down Payment & Closing Cost Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：0% interest deferred-payment loan和repayable in full only if property is sold or transferred within 10 years of closing. After 10 years, no repayment due. 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Down Payment & Closing Cost Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Determined by first-mortgage lender. 须参加购房者教育课程，由HUD-approved homebuyer counseling (Housing Assistance Corporation Cape Cod; HAC); 8-hour pre-purchase certificate required.提供。 居住要求：Year-round Provincetown residency intent; property must be deed-restricted affordable in Provincetown and the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per municipal rules. Year-round Provincetown resident or person with documented intention to live year-round; income at or below CPA 100% AMI for the Barnstable Town MSA (FY26 ~$87,010 1-person to $144,188 8-person, with intermediate household sizes); buyer must purchase a deed-restricted affordable unit (LIP/Local Initiative Program or equivalent); primary-residence requirement; property must be subject to a Town affordability deed restriction; complete HUD-approved homebuyer education.

Down Payment & Closing Cost Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income at or below CPA 100% AMI Barnstable Town MSA: ~$87,010 1-person to ~$144,188 8-person (FY26). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Down Payment & Closing Cost Program的房价上限如下：Determined by the Town's deed-restricted affordable price for the unit being purchased. 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment & Closing Cost Program服务于在Provincetown，Massachusetts购房的购房者。

Down Payment & Closing Cost Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application accepted via Provincetown Housing Office; awards subject to CPA appropriation availability.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。