Advantage Down Payment & Closing Cost Assistance Option

Advantage Down Payment & Closing Cost Assistance Option是面向Maine购房者的补助金，由Maine State Housing Authority (MaineHousing)管理。 Advantage is MaineHousing's $5,000 down payment and closing cost assistance option layered onto a First Home, Salute ME, or Mobile Home Self-Insured first mortgage. It is a true grant - no second mortgage, no lien, no interest rate add-on, and it does not increase the loan amount. Funds cover down payment, closing costs, and prepaid escrow expenses; borrowers must complete a hoMEworks homebuyer education class and contribute a minimum of 1% of the loan amount (which may be a gift). $5,000 grant toward down payment and closing costs. No second mortgage and no lien. No interest rate add-on. Does not increase loan amount. No liquid asset test. 1% borrower contribution may be a gift and includes education class cost. Can be combined with FHA/VA/RD/MHSI/Uninsured/PMI. 资金来自MaineHousing。

Advantage Down Payment & Closing Cost Assistance Option提供最高$5,000的援助。 援助档次：Single-unit/standard $5,000. Multi-unit handled under the separate Multi-Unit Advantage option (2-unit $8,000; 3-unit $11,000; 4-unit $14,000). 购房者自付部分：Minimum borrower cash contribution of 1% of the loan amount is required and may be a gift. The cost of the homebuyer education class counts toward the 1%. For MHSI the 1% can be met within the required 3% own-funds portion of the 5% down payment. 该项目可与First Home Loan, Salute ME, Mobile Home Self-Insured, Purchase Plus Improvement, Uninsured; cannot use the 2-point option with Advantage.结合使用。 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Maine State Housing Authority (MaineHousing)决定。

Advantage Down Payment & Closing Cost Assistance Option属于补助金，因此无需偿还。 触发还款的情形：No repayment - Advantage is not a second mortgage and carries no lien; it does not increase the loan amount. 该援助以none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。

Advantage Down Payment & Closing Cost Assistance Option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：Same as underlying First Home loan (first-time defined as no ownership interest in past 3 years; waived for veterans/active-duty via Salute ME and for unattached mobile-home-on-leased-land owners). 关于信用，该项目说明：Minimum credit score of 640 (per underlying First Home/MHSI requirements). 须参加购房者教育课程，由hoMEworks-approved live or online homebuyer education class (mainehomeworks.org) - same provider list as First Home Loan.提供。 居住要求：Maine property, owner-occupied as primary residence. No cash back at closing; excess assistance must reduce the loan and any principal reduction must be under $500. The 2-point rate option is ineligible.

Advantage Down Payment & Closing Cost Assistance Option将家庭收入限制在$120,750。 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。

Advantage Down Payment & Closing Cost Assistance Option将房价上限设为$525,000。 符合条件的房屋类型包括single_family、condominium、2-4_unit_owner_occupied和manufactured_mobile_home。 新建房屋符合条件。 预制房屋符合条件。

Advantage Down Payment & Closing Cost Assistance Option在其服务群体中提到了退伍军人和现役军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Advantage Down Payment & Closing Cost Assistance Option服务于在Maine任何地方购房的购房者。 该项目针对特定区域：Income limits may be higher in Federal Targeted Areas (per underlying First Home program).

Advantage Down Payment & Closing Cost Assistance Option的申请通过Maine State Housing Authority (MaineHousing)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 with the underlying First Home/Salute ME/MHSI loan through the lender.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。