Hennepin County HRA Homebuyer Assistance Program

Hennepin County HRA Homebuyer Assistance Program是面向Hennepin县，Minnesota购房者的可免除贷款。 The Hennepin County HRA Homebuyer Assistance Program, administered by NeighborWorks Home Partners under contract with the Hennepin County Housing and Redevelopment Authority, provides up to $30,000 in 0% interest deferred or forgivable second-mortgage assistance to income-qualified first-time buyers purchasing in Hennepin County. Households at or below 60% AMI receive a forgivable structure (10- or 15-year) and higher tiers receive a fully deferred structure. Funded with HUD HOME and Hennepin County HRA funds. Up to $30,000 in down payment and closing-cost assistance as a 0% interest deferred second mortgage. For households at or below 60% AMI, loan is fully forgivable on the day after the 10-year anniversary of the note (or 15-year for higher-income tiers). for higher tiers, loan is deferred and repayable at sale, refinance, or loss of owner-occupancy. Note: county countywide allocation reported out of funds until summer 2026. 资金来自HOME、Local Government和HRA。

Hennepin County HRA Homebuyer Assistance Program提供最高$30,000的援助。 购房者自付部分：Minimum buyer contribution per Hennepin County HRA guidelines。 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。

Hennepin County HRA Homebuyer Assistance Program在10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：Forgivable tier: due if exit before forgiveness milestone. Deferred tier: due at sale, refinance with cash-out, transfer, or loss of owner-occupancy. 该援助以2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。

Hennepin County HRA Homebuyer 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 buyer required (no ownership in past 3 years); standard HUD exceptions apply. 关于信用，该项目说明：Per first-mortgage lender; typically 620+。 须参加购房者教育课程，由Minnesota Homeownership Center / Framework / HUD-approved counseling agency required prior to closing.提供。 居住要求：Property must be located in Hennepin County, MN, and used as borrower's principal residence. 公民身份或移民身份：U.S. citizen or qualified non-citizen per HUD HOME rules。 Property must be located in Hennepin County (excluding portions covered by separate city programs). First-time buyer (no homeownership in past 3 years). Income at or below 80% HUD AMI: 1-person $72,950 to 8-person $137,550 (FY2025). Buyer must complete approved homebuyer education. Loan structure varies by income tier (10-year or 15-year forgiveness vs. straight deferred). Hennepin County reported out of funds until summer 2026 per county officials.

Hennepin County HRA Homebuyer Assistance Program将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Household income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $72,950 to 8-person $137,550 (FY2025 limits, current as of April 2026). 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。

Hennepin County HRA Homebuyer Assistance Program的房价上限如下：No fixed program cap; subject to Minnesota Housing acquisition limits when paired. 符合条件的房屋类型包括Single-family detached、Townhome、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Hennepin County HRA Homebuyer Assistance Program服务于在Hennepin县，Minnesota购房的购房者。

Hennepin County HRA Homebuyer 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First-come, first-served via NWHP intake; subject to county 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。