Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)

Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)是面向Shoreview，Minnesota购房者的延期第二贷款。 Shoreview First-Time Homeowners Down Payment Assistance (Due-on-sale) is the low-income variant of the City of Shoreview's NWHP-administered DPA. Provides up to $20,000 as a 0% interest deferred second-mortgage loan with no monthly payments for buyers at or below 80% AMI purchasing in Shoreview. Principal is deferred until sale, transfer, payoff of primary mortgage, or loss of owner-occupancy. Funded by City of Shoreview HRA affordable housing funds. Up to $20,000 as a 0% interest due-on-sale deferred second-mortgage loan (no monthly payments) for first-time buyers in the City of Shoreview at incomes at or below 80% AMI. Principal payment deferred until sale, transfer of title, when the primary mortgage is paid off, or when the property ceases to be owner-occupied. 资金来自Local Government和HRA。

Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)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：Due in full at sale, transfer of title, payoff of primary mortgage, 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 (Due-on-sale)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 620+。 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 at or below 80% AMI: 1-person $66,300 to 4-person $124,950. Maximum acquisition price $425,000. Buyer must complete approved homebuyer education. Loan is fully deferred (no payments) - distinct from the amortizing variant for moderate-income buyers.

Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)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: 1-person $66,300 to 4-person $124,950 (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 (Due-on-sale)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 (Due-on-sale)服务于在Shoreview，Minnesota购房的购房者。

Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)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。