NMCAA Down Payment Assistance Program (DPA)

NMCAA Down Payment Assistance Program (DPA)是面向Traverse City，Michigan购房者的延期第二贷款，由Northwest Michigan Community Action Agency (NMCAA)管理。 NMCAA's Down Payment Assistance Program provides $3,000 toward closing costs, down payment, or principal reduction for first-time homebuyers, structured as a 0% deferred loan repayable in full when title or ownership is transferred. It serves NMCAA's 10-county northwest Lower Michigan region and is available while funding lasts. NMCAA has been a HUD-approved housing counseling agency since 1974. $3,000 toward closing costs, down payment, or principal reduction. 0% interest deferred loan. pairs with NMCAA Homebuyer Coaching and Education. 资金来自Not specified on the official program page (HOME vs. MSHDA pass-through unconfirmed).

NMCAA Down Payment Assistance Program (DPA)提供最高$3,000的援助。 购房者自付部分：Minimum $1,000 of the buyer's own funds at closing. 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Northwest Michigan Community Action Agency (NMCAA)决定。

NMCAA Down Payment Assistance Program (DPA)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：Repayable in full upon transfer of title or ownership. 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。

NMCAA Down Payment Assistance Program (DPA)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NMCAA HUD-approved Homebuyer Education (completed within the past year); paired with NMCAA Homebuyer Coaching.提供。 Buyer must bring at least $1,000 of own funds to closing; complete Homebuyer Education within the past year; obtain a home inspection (waived proof for Rural Development loans); income at or below 100% AMFI for the county. Available while funding lasts. Distinct from the statewide MSHDA MI 10K DPA.

NMCAA Down Payment Assistance Program (DPA)将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income at or below 100% of Area Median Family Income (AMFI) by county: Antrim $82,100; Benzie $92,900; Charlevoix $88,000; Emmet $87,100; Grand Traverse $89,900; Kalkaska $68,600; Leelanau $98,800; Missaukee $70,300; Roscommon $64,800; Wexford $73,000. AMFI year not stated. 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。

NMCAA Down Payment Assistance Program (DPA)服务于在Traverse City，Michigan购房的购房者。

NMCAA Down Payment Assistance Program (DPA)的申请通过Northwest Michigan Community Action Agency (NMCAA)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。