Minnesota Housing - Deferred Payment Loan Plus (DPL+)

Minnesota Housing - Deferred Payment Loan Plus (DPL+)是面向Statewide，Minnesota购房者的延期第二贷款。 Minnesota Housing's $18,000 deferred 0% second mortgage DPA paired with Start Up first mortgage, reserved for first-time homebuyers meeting at least one targeting criterion (BIPOC, single parent, disability, first-gen, veteran, large household, manufactured home community, persistent-poverty area). Statewide. 640 FICO. 80% AMI / Start Up income limits. $13,000 max liquid assets. Minnesota Housing's Deferred Payment Loan Plus (DPL+) provides up to $18,000 in down payment and closing cost assistance to first-time homebuyers who face additional barriers to homeownership, structured as a 0% interest deferred second mortgage with no monthly payments. The loan is interest-free and the principal is repaid as a lump-sum balloon at maturity - triggered by sale, refinance of first mortgage, transfer of title, payoff, or when the property ceases to be the borrower's primary residence. DPL+ pairs only with Minnesota Housing's Start Up first mortgage (FHA, VA, USDA-RD, Conv HFA Preferred, or Fannie Mae HFA Preferred Risk Sharing) and is statewide. The Plus tier provides $7,000 more than the standard DPL ($11,000) and is reserved for borrowers who demonstrate at least one MN Housing-published targeting criterion - including BIPOC borrowers, single heads of household with dependents, borrowers / household members with a disability, first-generation homebuyers, veterans, large households, manufactured-home community residents, and borrowers in persistent-poverty census tracts. Same income / asset / first-mortgage requirements as DPL: household income up to roughly $75,000 - $146,000 by location and household size (Start Up limits, generally 80% AMI), liquid assets at closing capped at $13,000, 640 minimum FICO, $1,000 minimum borrower contribution, pre-purchase Qualified Homebuyer Education required. Maximum purchase price $604,400 - $659,550 per Start Up 2026 limits. 资金来自State和Bond。

Minnesota Housing - Deferred Payment Loan Plus (DPL+)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：0% interest deferred second mortgage. No monthly payments. Full $18,000 balance due as lump-sum balloon upon sale, refinance of first mortgage, transfer of title, payoff of first mortgage, or when property ceases to be borrower's primary residence. 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。

Minnesota Housing - Deferred Payment Loan Plus (DPL+)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 waived in federally targeted census tracts under IRS Section 143(d)(2)(B), and for qualifying veterans (federal MRB veteran waiver). Veteran status is also itself a DPL+ targeting criterion. 关于信用，该项目说明：640 minimum FICO across all eligible first-mortgage products (FHA / VA / USDA-RD / Conv HFA Preferred). Some manual underwriting at 640 with compensating factors. 须参加购房者教育课程，由Minnesota Homeownership Center HUD-approved Home Stretch and Framework / eHome America counseling providers, plus tribal and culturally-specific HUD-approved counseling agencies (e.g., Build Wealth Minnesota, NeighborWorks Home Partners, African Development Center, Lao Assistance Center, NACDI). Pre-purchase Qualified Homebuyer Education required for at least one DPL+ borrower.提供。 居住要求：Property must be located in Minnesota (any of 87 counties) and serve as borrower's primary residence within 60 days of closing. Must remain primary residence for life of the deferred loan. 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. Must be paired with Minnesota Housing's Start Up first mortgage (first-time homebuyer product). 640 minimum FICO across all eligible first-mortgage products. 50% maximum DTI per Start Up overlays. $1,000 minimum borrower contribution from own funds. Total liquid assets at completion of closing limited to $13,000. First-time homebuyer required (no ownership of primary residence during prior 3 years), waived in federally targeted census tracts. At least one borrower must complete Qualified Homebuyer Education. Property must be primary residence. The DPL+ second mortgage is 0% interest, deferred - no monthly payments, lump-sum balloon at first-mortgage payoff/sale/refi/title transfer/non-occupancy. CRITICAL: Borrower must demonstrate at least ONE of MN Housing's published DPL+ targeting criteria (see special_population_notes). Lender documents the targeting basis on the DPL/DPL+ Eligibility Worksheet (form MCDPLPELGB) at application. Income includes ALL household members 18+ (gross). Maximum purchase price $604,400 - $659,550 by location.

Minnesota Housing - Deferred Payment Loan Plus (DPL+)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。 Minnesota Housing 2026 Start Up income limits (combined household gross income, all earners): roughly $75,000 (1-2 person Greater Minnesota lower-cost counties) up to $146,000 (3+ person high-income 11-county Twin Cities metro). Same income limits as standard DPL. Limits vary by county and household size and adjust annually with HUD AMI updates. 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。

Minnesota Housing - Deferred Payment Loan Plus (DPL+)将房价上限设为$659,550。 符合条件的房屋类型包括Single-family detached, condominium (Fannie/Freddie/FHA project-approved), townhouse, PUD, manufactured home (real-property-titled, permanent foundation, meeting MN Housing manufactured-home overlay), 2-unit owner-occupied (1-unit owner-occupied required). Per Start Up first-mortgage overlays. 新建房屋符合条件。 预制房屋符合条件。

Minnesota Housing - Deferred Payment Loan Plus (DPL+)在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者和残障购房者。 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。

Minnesota Housing - Deferred Payment Loan Plus (DPL+)服务于在Statewide，Minnesota购房的购房者。 该项目针对特定区域：Minnesota Housing-designated federally targeted census tracts (per IRS Section 143(j)). Property location in a targeted census tract / persistent-poverty area is itself a DPL+ qualifying criterion and waives the FTHB requirement.

Minnesota Housing - Deferred Payment Loan Plus (DPL+)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Reserved through Minnesota Housing's Lender Online Loan Commitment System at time of rate lock by MN Housing-approved lender. DPL/DPL+ Eligibility Worksheet (form MCDPLPELGB) submitted with reservation documenting targeting basis.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。