Shoreview First-time Homeowners Down Payment Assistance (Amortizing)

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)是面向Shoreview，Minnesota购房者的需偿还的第二贷款。 Shoreview First-Time Homeowners Down Payment Assistance (Amortizing) is the moderate-income variant of the City of Shoreview's NWHP-administered DPA. Provides up to $30,000 as a low-interest amortizing second-mortgage loan with monthly payments for buyers at incomes between 80% and 120% AMI purchasing in Shoreview. Funded by City of Shoreview HRA affordable housing funds. Pairs with first-mortgage lenders. Up to $30,000 as a low-interest amortizing second-mortgage loan with monthly payments for first-time buyers in the City of Shoreview at incomes between 80% and 120% AMI. Combines with NWHP and Minnesota Housing first-mortgage products. Loan is repaid in monthly installments over a defined term (typically 10-30 years) with no balloon. 资金来自Local Government和HRA。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)提供最高$30,000的援助。 购房者自付部分：Minimum buyer contribution per City of Shoreview / NWHP 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。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)是需偿还的第二贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Monthly amortizing payments over loan term和balance also due on sale, 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。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)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 exceptions apply. 关于信用，该项目说明：Per first-mortgage lender; typically 640+。 须参加购房者教育课程，由Minnesota Homeownership Center / Framework / NWHP-approved counseling agency.提供。 居住要求：Property must be located in City of Shoreview and used as borrower's principal residence. 公民身份或移民身份：U.S. citizen or qualified non-citizen per first-mortgage rules。 Property must be in City of Shoreview. First-time buyer required. Income above 80% AMI and at or below 120% AMI: 1-person $104,950 to 4-person $197,850. Maximum acquisition price $425,000. Buyer must complete approved homebuyer education. Loan amortizes with monthly payments (distinct from the deferred-loan variant for lower-income buyers).

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income above 80% and at or below 120% HUD AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person $104,950 to 4-person $197,850 (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4。 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。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)将房价上限设为$425,000。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)服务于在Shoreview，Minnesota购房的购房者。

Shoreview First-time Homeowners Down Payment Assistance (Amortizing)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 NWHP with City of Shoreview verification.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。