Blaine Down Payment Assistance Loan

Blaine Down Payment Assistance Loan是面向Blaine，Minnesota购房者的可免除贷款，由City of Blaine Economic Development Authority (EDA); administered by Center for Energy and Environment (CEE)管理。 The City of Blaine EDA, through CEE, offers a 0% interest deferred forgivable loan for down payment and closing costs to first-time homebuyers purchasing a 1-4 unit owner-occupied home in Blaine (Anoka County). Loans are up to $10,000 for current Blaine residents or people employed in Blaine, and up to $5,000 for all others. Forgiven after 30 years of continuous owner-occupancy; 100% due on sale, transfer, or loss of owner-occupancy before then. 0% APR. No monthly payments. Deferred 30 years, fully forgivable. No prepayment penalty. Larger amount for local residents/employees. 资金来自City of Blaine Economic Development Authority (local funds)。

Blaine Down Payment Assistance Loan提供$5,000至$10,000的援助。 援助档次：Up to $10,000 for current Blaine residents or persons employed in Blaine; up to $5,000 for all others. 购房者自付部分：Borrower must contribute at least 1% of the purchase price with their own funds. 该项目可与Intended to supplement MHFA, CEE, private lender first-mortgage programs.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City of Blaine Economic Development Authority (EDA); administered by Center for Energy and Environment (CEE)决定。

Blaine Down Payment Assistance Loan在30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：100% due if borrower sells, transfers title, or property is no longer primary residence before 30-year maturity; fully forgiven at 30 years. 该援助以Second mortgage (subordinate to first)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。

Blaine Down Payment Assistance Loan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。 关于信用，该项目说明：No program-set minimum; based on first-mortgage lender approval. 须参加购房者教育课程，由Home Stretch workshop or a HUD-approved counseling agency course (e.g., via hocmn.org); certificate required prior to closing.提供。 居住要求：Property must be within City of Blaine; higher tier for current Blaine residents/employees. 公民身份或移民身份：All borrowers must be legal residents of the U.S.; Foreign Nationals ineligible. First-time homebuyer per HUD definition; Home Stretch or HUD-approved education before closing; contribute at least 1% from own funds; U.S. legal residency; owner-occupy as primary residence; signed purchase agreement and application at least 4 weeks before closing.

Blaine Down Payment Assistance Loan将家庭收入限制在地区收入中位数的90%，该数值因县和家庭人数而异。 Household income must not exceed 90% of Area Median Income based on household size and adjusted gross income from the most recent tax return. 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。

Blaine Down Payment Assistance Loan将房价上限设为$450,000。 符合条件的房屋类型包括Single Family、2-4 Unit、Townhouse、Twinhome和Condo。 预制房屋不符合条件。

Blaine Down Payment Assistance Loan服务于在Blaine，Minnesota购房的购房者。

Blaine Down Payment Assistance Loan的申请通过City of Blaine Economic Development Authority (EDA); administered by Center for Energy and Environment (CEE)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Application via CEE through first-mortgage lender; signed purchase agreement and application at least four weeks before closing; subject to fund availability.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。