Montgomery Employee Down Payment Assistance Loan (MEDPAL)

Montgomery Employee Down Payment Assistance Loan (MEDPAL)是面向Statewide，Maryland购房者的延期第二贷款。 Maryland DHCD MMP MEDPAL - up to $25,000 additional deferred 0% DPA EXCLUSIVELY for Montgomery County government employees buying in Montgomery County. Layers on top of MMP first + standard MMP DPA second. 640 FICO. County-Wide (Montgomery County only). Maryland DHCD's Montgomery Employee Down Payment Assistance Loan (MEDPAL) is a partnership program providing additional down-payment / closing-cost assistance EXCLUSIVELY to MONTGOMERY COUNTY GOVERNMENT EMPLOYEES who purchase a home in Montgomery County. Provides up to $25,000 in additional 0% deferred second-mortgage assistance, layered on top of an MMP first mortgage and standard MMP DPA second. The MEDPAL second is non-amortizing - no monthly payment - due on sale/refinance/transfer/payoff. Eligibility restricted to active Montgomery County government employees (county departments, agencies, MCPS public school staff, Montgomery College staff, and partnered Montgomery County government entities per current MEDPAL guidelines). Income up to $228,000 (Montgomery County high-cost limit). 640 FICO. Homebuyer education required. 资金来自State和Bond。

Montgomery Employee Down Payment Assistance Loan (MEDPAL)提供最高$25,000的援助。 购房者自付部分：No mandatory MMP minimum borrower contribution; agency overlays may impose minimum. 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Montgomery Employee Down Payment Assistance Loan (MEDPAL)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% deferred soft second. Full balance due on sale, refinance, transfer of title, payoff of first mortgage, or non-owner-occupancy. No monthly payment. No forgiveness schedule. 该援助以3rd Lien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。

Montgomery Employee Down Payment Assistance Loan (MEDPAL)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：FTHB waived in federally targeted tracts and for qualifying veterans. 关于信用，该项目说明：640 minimum FICO across all eligible first-mortgage products. 须参加购房者教育课程，由MMP-approved homebuyer education provider network.提供。 居住要求：Property must be located in Montgomery County, Maryland and be the borrower's primary residence. County-Wide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. MONTGOMERY COUNTY GOVERNMENT EMPLOYEE RESTRICTION: At least one borrower must be an ACTIVE EMPLOYEE of Montgomery County government (county departments, agencies, MCPS - Montgomery County Public Schools, Montgomery College, or other partnered Montgomery County government entities per current MEDPAL guidelines). Employer verification letter / employment verification required at reservation. Property must be located in Montgomery County, MD. FTHB required (waived in federally targeted tracts and for qualifying veterans). Owner-occupied primary residence. 640 FICO, 45% DTI. Income $157,500 - $228,000 (Montgomery high-cost tier per MEDPAL fact sheet). Purchase price within MMP Montgomery County acquisition-cost limits (up to $1,535,015). Homebuyer education required. MMP-approved lender + master servicer. Schema does not include a 'specific government employer' boolean - the Montgomery County government employer restriction is the program-defining eligibility criterion, captured here in special_requirements / special_population_notes / program_description.

Montgomery Employee Down Payment Assistance Loan (MEDPAL)将家庭收入限制在$228,000。 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Montgomery Employee Down Payment Assistance Loan (MEDPAL)将房价上限设为$1.5M。 符合条件的房屋类型包括Single-family detached, 2-unit owner-occupied (per overlays), condo (approved), townhouse, PUD. 新建房屋符合条件。 预制房屋不符合条件。

Montgomery Employee Down Payment Assistance Loan (MEDPAL)服务于在Statewide，Maryland购房的购房者。 该项目针对特定区域：Montgomery County is a high-cost MD county with elevated income / purchase-price limits. Federally targeted census tracts within Montgomery County receive additional MRB FTHB-waiver benefit.

Montgomery Employee Down Payment Assistance Loan (MEDPAL)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Reserved through MMP Lender Online portal at rate lock. MEDPAL designation flagged with Montgomery County government employer verification at reservation.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。