Minneapolis Homes: Access Down Payment Assistance

Minneapolis Homes: Access Down Payment Assistance是面向Minneapolis，Minnesota购房者的延期第二贷款。 Minneapolis Homes: Access Down Payment Assistance is the City of Minneapolis CPED's primary income-tiered DPA program, administered by NeighborWorks Home Partners. The 0% interest deferred second-mortgage loan provides up to $40,000 (50% AMI tier) or up to $20,000 (51-80% AMI tier) for buyers purchasing in the City of Minneapolis. Funded by City of Minneapolis affordable housing trust funds and HUD HOME Consortium funds. Repayable at end of first-mortgage life, refinance with cash-out, transfer, or 30-year deferment - whichever occurs first. Mandatory homebuyer education plus 1:1 financial advising. Up to $40,000 (50% AMI tier) or up to $20,000 (51-80% AMI tier) as a 0% interest deferred second-mortgage loan with no monthly payment. Loan is repayable at the end of the life of the first mortgage, refinance with cash-out, transfer of title, or end of 30-year deferment period. Applies to homes purchased within City of Minneapolis. Requires homebuyer education certificate and 1:1 financial wellness advising prior to purchase agreement. 资金来自HOME、Local Government和CPED。

Minneapolis Homes: Access Down Payment Assistance提供最高$20,000的援助。 购房者自付部分：Minimum buyer contribution per CPED 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。

Minneapolis Homes: Access Down Payment Assistance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：Due in full at end of first-mortgage life, refinance with cash-out, transfer of title, loss of owner-occupancy, or end of 30-year term. 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。

Minneapolis Homes: Access Down Payment Assistance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：Open to non-first-time buyers per Minneapolis Homes Access guidelines (with priority for first-time). 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, plus mandatory 1:1 financial wellness advising session through NWHP or partner agency.提供。 居住要求：Property must be located in City of Minneapolis 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 within City of Minneapolis. Income tiered: 50% AMI receives larger assistance, 51-80% AMI receives smaller. Income at or below 80% HUD AMI: 1-person ~$52,150 (50% AMI) to 8-person ~$129,100 (80% AMI). Required: homebuyer education certificate AND 1:1 financial wellness advising session prior to executing purchase agreement. Owner-occupancy.

Minneapolis Homes: Access Down Payment Assistance将家庭收入限制在地区收入中位数的80%，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 MSA. 50% AMI tier and 51-80% AMI tier each have separate caps. Range: 1-person $52,150 (50% AMI) to 8-person $129,100 (80% AMI) FY2025. 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。

Minneapolis Homes: Access Down Payment Assistance的房价上限如下：Subject to City of Minneapolis CPED Minneapolis Homes maximum acquisition cost. 符合条件的房屋类型包括Single-family detached、Duplex、Triplex、Fourplex、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Minneapolis Homes: Access Down Payment Assistance服务于在Minneapolis，Minnesota购房的购房者。

Minneapolis Homes: Access Down Payment Assistance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Reservation through NWHP via approved lender; 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。