Detroit Down Payment Assistance Program

Detroit Down Payment Assistance Program是面向Detroit，Michigan购房者的补助金，由City of Detroit Housing and Revitalization Department (implemented by National Faith Homebuyers)管理。 City of Detroit grant program (Round 3 currently open) providing up to $25,000 toward down payment, prepaids/interest-rate buy-down, closing costs, and principal reduction for income-eligible Detroit residents purchasing a home as their principal residence. Funds are sent to closing, not directly to the buyer. Total assistance cannot exceed 50% of the purchase price. Up to $25,000 toward down payment, closing costs, prepaids, interest rate buy-down, and principal reduction. 资金来自HUD Community Development Block Grant (CDBG) and CDBG-Disaster Recovery (CDBG-DR)。

Detroit Down Payment Assistance Program提供最高$25,000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City of Detroit Housing and Revitalization Department (implemented by National Faith Homebuyers)决定。

Detroit Down Payment Assistance Program属于补助金，因此无需偿还。 触发还款的情形：Pro-rated repayment if the home is not maintained as the principal residence for three years after the grant is awarded. 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。

Detroit 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。 Must have lived in the City of Detroit for the last 12 months OR prove loss of a Detroit home to property-tax foreclosure 2010-2016. Total assistance capped at 50% of purchase price and limited by CDBG duplication-of-benefits calculation. A visual lead inspection (risk assessment) is required. Must have a signed purchase agreement and be pre-qualified by a lender; applied via Neighborly software. Prioritization for residents impacted by the August 2023 Detroit flooding or 2010-2016 tax-foreclosure loss. Cannot be used more than once. Round 3 funded with $1.7M CDBG + $8.77M CDBG-DR to assist up to 450 buyers.

Detroit 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 HUD Area Median Income, adjusted for household size (e.g., 1-person $58,700; 4-person $83,850 per one published table on the program page). 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。

Detroit Down Payment Assistance Program的房价上限如下：No stated maximum purchase price, but total assistance cannot exceed 50% of the purchase price.

Detroit Down Payment Assistance Program服务于在Detroit，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。

Detroit Down Payment Assistance Program的申请通过City of Detroit Housing and Revitalization Department (implemented 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。 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。