Fridley Down Payment Assistance Deferred Loan

Fridley Down Payment Assistance Deferred Loan是面向Fridley，Minnesota购房者的延期第二贷款，由City of Fridley HRA (administered by Center for Energy and Environment / CEE)管理。 The City of Fridley HRA offers a deferred, 0% interest down payment and closing-cost assistance loan to first-time homebuyers purchasing a 1–4 unit property within Fridley (Anoka County), administered by the Center for Energy and Environment (CEE). Amounts are tiered by income: up to $10,000 for households at/below 80% AMI and up to $5,000 for households above 80% and below 110% AMI. The loan has no monthly payments and is 100% forgiven after 30 years of continuous owner-occupancy; the full balance is due if the home is sold, transferred, or vacated before then. Secured by a second mortgage. 0% interest. No monthly payments. Up to $10,000 (≤80% AMI) / $5,000 (80–110% AMI). 30-year term with full forgiveness if continuously owner-occupied. No down payment required from borrower. 1–4 unit properties eligible. Apply online via CEE. 资金来自City of Fridley HRA funds。

Fridley Down Payment Assistance Deferred Loan提供$1,000至$10,000的援助。 援助档次：Tier 1: up to $10,000 for households at/below 80% AMI和Tier 2: up to $5,000 for households >80% and <110% AMI. 30-year deferred; 100% forgiven if owner-occupied at 30 years. 购房者自付部分：No down payment required from the borrower. 该项目可与Other Fridley HRA loan programs (subject to $75,000 total cap); Minnesota Housing Start-Up and other first-mortgage programs. Only one Fridley deferred loan outstanding at a time.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 Fridley HRA (administered by Center for Energy and Environment / CEE)决定。

Fridley Down Payment Assistance Deferred 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：Sale, transfer of title, property no longer owner-occupied, or refinancing before the 30-year maturity; 100% due and payable. 100% forgiven if still owner-occupied at 30 years. 该援助以Second (secured by mortgage on property)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。

Fridley Down Payment Assistance Deferred Loan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 defined as not having owned a home within the last three years. 须参加购房者教育课程，由HomeStretch workshop (Minnesota Homeownership Center) or another valid course from a HUD-approved counseling agency; proof required before closing.提供。 居住要求：Property must be within the City of Fridley, MN. 公民身份或移民身份：All borrowers must be legal residents of the United States; non-occupant co-borrowers ineligible. Apply to CEE at least four weeks before closing with a signed purchase agreement. Funding subject to availability — confirm funds with CEE first. Guidelines (Exhibit A-24) are 2024; income limits are 2026 HUD figures. LTV limit 110%. NOTE: separate City of Anoka DPA (same CEE/HRA structure) is currently INACTIVE; Anoka County does not run its own DPA.

Fridley Down Payment Assistance Deferred Loan将家庭收入限制在地区收入中位数的110%，该数值因县和家庭人数而异。 110% AMI by household size (adjusted gross income). Tier 1 (≤80% AMI): up to $10,000; Tier 2 (>80% to <110% AMI): up to $5,000. 2026 HUD (Minneapolis-St. Paul MSA) 80% 4-person $105,200; 110% 4-person $144,650. Full 1–8 person tables in income-limit PDF. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Fridley Down Payment Assistance Deferred Loan的房价上限如下：Not specified; loan-to-value limit is 110%. 符合条件的房屋类型包括Single-family、Townhome、Twin-home、Duplex、Condominium、2-unit、3-unit和4-unit。 预制房屋不符合条件。

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

Fridley Down Payment Assistance Deferred Loan的申请通过City of Fridley HRA (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Rolling; signed purchase agreement required; application at least four weeks before closing.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。