FirstHome Down Payment Assistance Program

FirstHome Down Payment Assistance Program是面向St. Paul，Minnesota购房者的可免除贷款。 Ramsey County (excl. Saint Paul) FTHB forgivable DPA. Up to $10,000 0% (5-yr/20%/yr). Max PP $372,600. Income $72,950-$174,800. 640 FICO. FTHB required. Ramsey County FirstHome Down Payment Assistance Program provides up to $10,000 in deferred forgivable down payment, closing-cost, and prepaid expense assistance to first-time homebuyers purchasing a primary residence within Ramsey County, Minnesota (excluding the City of Saint Paul, which administers its own DPA program). Funded through Ramsey County HRA/CED levy and federal HOME/CDBG, the assistance is structured as a 0% interest deferred forgivable loan, forgiven 20% per year over a 5-year compliance period (full forgiveness at end of year 5) so long as the borrower maintains owner-occupancy. Maximum purchase price $372,600. Income up to $72,950 (1-person) - $174,800 (4+ person tier ceiling). 资金来自Local Government、HOME和CDBG。

FirstHome Down Payment Assistance Program提供最高$15,000的援助。 该项目要求购房者自付$1,000 minimum borrower contribution from own funds. 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管理该项目的机构决定。

FirstHome Down Payment 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：0% interest forgivable loan, forgiven 20% per year over 5-year compliance period. Sale, refinance with cash-out, transfer of title, or non-owner-occupancy during years 1-5 triggers proportional repayment of unforgiven balance. 该援助以2nd Lien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。

FirstHome 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：FTHB requirement may be waived for qualifying veterans. 关于信用，该项目说明：640 minimum FICO per first-mortgage product overlay. 须参加购房者教育课程，由NeighborWorks Home Partners (HUD-approved) - pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be in Ramsey County, Minnesota, EXCLUDING City of Saint Paul. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer required (no ownership of a primary residence in the prior 3 years). Property must be located within Ramsey County, Minnesota, EXCLUDING the City of Saint Paul (Saint Paul administers its own DPA via PED). Maximum purchase price $372,600. Income up to $72,950 (1-person) - $174,800 (4+ person ceiling). Must complete HUD-approved homebuyer education with NeighborWorks Home Partners or other HUD-approved counselor. $1,000 minimum borrower contribution. 5-year owner-occupancy compliance period (forgiveness 20%/year). Sale, refinance with cash-out, transfer of title, or non-owner-occupancy during years 1-5 triggers proportional repayment.

FirstHome Down Payment Assistance Program将家庭收入限制在$174,800。 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。

FirstHome Down Payment Assistance Program将房价上限设为$372,600。 符合条件的房屋类型包括Single-family detached, condominium (project-approved), townhouse, PUD, manufactured home (real-property-titled). 新建房屋符合条件。 预制房屋符合条件。

FirstHome Down Payment Assistance Program服务于在St. Paul，Minnesota购房的购房者。

FirstHome Down Payment Assistance Program的申请通过管理该项目的机构办理，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 Ramsey County CED office.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。