Carver County CDA Down Payment & Closing Cost Assistance Program

Carver County CDA Down Payment & Closing Cost Assistance Program是面向Carver县，Minnesota购房者的可免除贷款，由Carver County Community Development Agency (CDA)管理。 The Carver County CDA's Down Payment and Closing Cost Assistance Program, an initiative of the Carver County Local Housing Trust Fund, provides qualified first-time homebuyers up to 25% of the purchase price (max $50,000) as a 0%-interest soft second mortgage forgivable over 20 years (5%/yr) while the home remains an owner-occupied primary residence. A First-Generation set-aside offers a 10-year forgivable version (CLTV up to 103%). Income must be at or below 100% AMI ($132,400) and purchase price cannot exceed $415,000. Up to 25% of purchase price (max $50,000). 0% interest. Forgivable over 20 years (5%/yr). Soft second, allows any lien position. Layerable with other DPA. First-Generation set-aside (10-yr forgiveness, CLTV up to 103%). 资金来自Carver County Local Housing Trust Fund (LHTF), Minn. Stat. 462C.16 / Carver County Ordinance 104-2023.

Carver County CDA Down Payment & Closing Cost Assistance Program提供最高$50,000的援助。 援助档次：Standard DPA (20-year forgivable). First-Generation Homebuyer Set-Aside: 10-year forgivable (10%/yr), CLTV up to 103%. 购房者自付部分：Minimum $1,000 of borrower's own funds; earnest money can count. 该项目可与Other DPA; Minnesota Housing programs, HUD FHA programs, and other local opportunities encouraged.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Carver County Community Development Agency (CDA)决定。

Carver County CDA Down Payment & Closing Cost Assistance Program在20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：Balance due in full on sale, transfer, conveyance, or when no longer the primary residence; 5% of original principal forgiven annually over 20 years while the original homebuyer(s) own and reside in the home. 该援助以Soft second mortgage; allows any lien position.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。

Carver County CDA Down Payment & Closing Cost 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 = no home owned within the last 3 years. First-Generation set-aside requires applicant and parents/guardians never owned a home (foreclosure-loss exception). 关于信用，该项目说明：No minimum credit score stated; first mortgage must be a prime/A-rated fixed-rate loan. 须参加购房者教育课程，由Home Stretch homebuyer education (virtual or in person) via HOCMN (hocmn.org), within the last 12 months and before submitting a purchase agreement.提供。 公民身份或移民身份：At least one applicant must be a Minnesota resident (no explicit citizenship requirement stated). pre-applications were temporarily CLOSED as of the June 2026 snapshot due to demand (program funded/active but not accepting new pre-applications - verify status before publishing). Reservation Letter required before signing a purchase agreement. Home Stretch education before purchase agreement. Liquid assets <= $50,000 after closing. Applicant cannot own other real estate. $100 application fee; loan serviced by Center for Energy and the Environment (CEE).

Carver County CDA Down Payment & Closing Cost Assistance Program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。 Gross household income at or below 100% of Carver County AMI, currently $132,400 (2025); not adjusted for household size. 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。

Carver County CDA Down Payment & Closing Cost Assistance Program将房价上限设为$415,000。 符合条件的房屋类型包括Single Family、2-4 Unit、Condo和Townhouse。 预制房屋不符合条件。

Carver County CDA Down Payment & Closing Cost Assistance Program在其服务群体中提到了第一代购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Carver County CDA Down Payment & Closing Cost Assistance Program服务于在Carver县，Minnesota购房的购房者。

Carver County CDA Down Payment & Closing Cost Assistance Program的申请通过Carver County Community Development Agency (CDA)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First-come, first-served by date/time of complete application; DPA reserved for 150 days via a Reservation Letter; online pre-screening then full application.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。