City of Pontiac Down Payment Assistance Program

City of Pontiac Down Payment Assistance Program是面向Pontiac，Michigan购房者的延期第二贷款，由City of Pontiac (HUD/Community Development), administered by National Faith Homebuyers管理。 The City of Pontiac, a newly restored HUD entitlement community, launched its Down Payment Assistance Program in November 2025 in partnership with National Faith Homebuyers. It provides up to $20,000 toward 50% of the down payment and reasonable closing costs for first-time buyers purchasing in Pontiac, funded by a $437,475 CDBG allocation. Up to $20,000 toward 50% of down payment and reasonable closing costs (prepaid taxes, interest, lender's points, application/credit/title/appraisal fees, PMI, recording and legal fees, etc.). 资金来自City of Pontiac CDBG allocation ($437,475)。

City of Pontiac Down Payment Assistance Program提供最高$20,000的援助。 购房者自付部分：Assistance covers up to 50% of the down payment plus reasonable closing costs。 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 Pontiac (HUD/Community Development), administered by National Faith Homebuyers决定。

City of Pontiac 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：Lien with affordability period; recapture if sold/no longer owner-occupied during the affordability 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 Pontiac 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。 此处的“首次”有例外情况：First-time homebuyer or has not acquired a home in the last three years; renters seeking to buy their leased home and movers to Pontiac may also apply。 须参加购房者教育课程，由National Faith Homebuyers (homebuyer education session; certificate required with application)提供。 居住要求：Property must be located within the City of Pontiac (determined by legal description, not mailing address)。 Housing (front-end) ratio must not exceed 35% and DTI must not exceed 43%; assets may not exceed $20,000; all household income counted; homeowner's insurance and real estate commissions are excluded closing costs; full application package with certificate of education required;.

City of Pontiac 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。 Household income at or below 80% of Area Median Income by household size (HUD); 2026 4-person limit $83,850. 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。

City of Pontiac Down Payment Assistance Program可用于Single Family。

City of Pontiac Down Payment Assistance Program服务于在Pontiac，Michigan购房的购房者。

City of Pontiac Down Payment Assistance Program的申请通过City of Pontiac (HUD/Community Development), administered by National Faith Homebuyers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While funds are available; apply through National Faith Homebuyers after completing education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。