NHS of Baltimore Down Payment Assistance Program

NHS of Baltimore Down Payment Assistance Program是面向Baltimore，Maryland购房者的延期第二贷款，由Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore)管理。 NHS of Baltimore's Down Payment Assistance Program is a conventional loan product for buyers purchasing an owner-occupied home in Baltimore City. It provides up to 95% LTV in a first lien and up to 25% (maximum $45,000) in a 0%-interest second lien for down payment and closing costs, with combined LTV capped at 105%. The second lien requires no payments and is deferred for the life of the first lien, becoming payable upon sale, refinance, or transfer; assistance is not limited to first-time buyers. Up to $45,000 (25%) second-lien assistance. 0% interest second lien. Payment deferred for life of first lien. Not limited to first-time buyers. Up to 95% LTV first lien. Covers down payment and closing costs.

NHS of Baltimore Down Payment Assistance Program提供最高$45,000的援助。 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Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore)决定。

NHS of Baltimore Down Payment Assistance 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：Second lien at 0% interest; payment deferred for the life of the first lien and becomes payable upon sale, refinance, or transfer of the home。 该援助以Second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。

NHS of Baltimore Down Payment Assistance 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：State of Maryland required credit score is 660, or 640 with restrictions (2 months of mortgage payments in savings and max DTI 42%)。 须参加购房者教育课程，由HUD-approved NHS Homebuyer Workshop plus NHS one-on-one homebuyer counseling提供。 Must complete the HUD-approved NHS Homebuyer Workshop, counseling, a signed contract, and lender pre-approval; property must be in Baltimore City and owner-occupied; 640-score path requires 2 months of mortgage payments in savings and max 42% DTI.

NHS of Baltimore Down Payment Assistance Program的收入限制如下：Based on total household income for all persons 18 and older living in the home; maximum income depends on the county/city of purchase。 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。

NHS of Baltimore Down Payment Assistance Program可用于Single Family、Townhouse、Condo和2-4 Unit。 新建房屋不符合条件。

NHS of Baltimore Down Payment Assistance Program服务于在Baltimore，Maryland购房的购房者。

NHS of Baltimore Down Payment Assistance Program的申请通过Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore)办理，该机构在其网站上公布现行条款和申请步骤。 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。