City of East Lansing Down Payment Assistance Program

City of East Lansing Down Payment Assistance Program是面向East Lansing，Michigan购房者的可免除贷款，由City of East Lansing Dept. of Planning, Building & Development (CDBG), applications processed by Capital Area Housing Partnership (CAHP)管理。 The City of East Lansing operates a CDBG/HOME-funded Down Payment Assistance Program providing up to $30,000 (plus up to $5,000 in repairs) toward down payment, first-mortgage principal reduction, or closing costs for income-eligible homebuyers purchasing in select East Lansing neighborhoods. Assistance is a zero-interest second mortgage that is 100% forgivable after seven years of owner-occupancy. Applications are processed through Capital Area Housing Partnership. Up to $30,000 toward down payment/first-mortgage reduction/closing costs. Up to $5,000 in repairs. 0% interest, forgivable after 7 years. 资金来自Federal CDBG and HOME funds allocated to the City of East Lansing。

City of East Lansing Down Payment Assistance Program提供$1,000至$30,000的援助。 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City of East Lansing Dept. of Planning, Building & Development (CDBG), applications processed by Capital Area Housing Partnership (CAHP)决定。

City of East Lansing Down Payment Assistance Program在7年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, refinance, or home ceasing to be the borrower's principal residence before the end of the affordability period; 100% forgiven after the period. 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。

City of East Lansing Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Capital Area Housing Partnership homebuyer education course提供。 居住要求：Home must be purchased within the City of East Lansing; targeted to select eligible neighborhoods。 LOAN TERM: zero-interest forgivable second mortgage, $1,000-$30,000, 100% forgiven after 7 years of owner-occupancy; recapture if sold/transferred/refinanced or not owner-occupied within 7 years. Can also fund up to $5,000 in repairs. Distinct from the Ingham County DPA (also CAHP-administered) and the City of Lansing DPA. ACTIVITY GAP: per City officials (Spartan Newsroom, Oct 16 2025) the program has not funded any buyer since 2020 due to the mismatch between CDBG/HOME income limits and rising home prices (95 households assisted through 2020); program remains on the books and open to applicants but is effectively dormant - confirm with the City before publishing.

City of East Lansing Down Payment Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 HUD CDBG/HOME low- to moderate-income limits (generally <=80% AMI) for the Lansing-East Lansing MSA. Since 2020 the gap between the income ceiling and rising local home prices has prevented new awards. 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。

City of East Lansing Down Payment Assistance Program可用于Single Family。 新建房屋不符合条件。

City of East Lansing Down Payment Assistance Program服务于在East Lansing，Michigan购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。 目标社区：Select/eligible East Lansing neighborhoods (per City CDBG program area)。

City of East Lansing Down Payment Assistance Program的申请通过City of East Lansing Dept. of Planning, Building & Development (CDBG), applications processed by Capital Area Housing Partnership (CAHP)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Applications via Capital Area Housing Partnership; limited funds available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。