Three Rivers Community Action Gap Financing Program

Three Rivers Community Action Gap Financing Program是面向Blue Earth|Brown|Dodge|Faribault|Fillmore|Freeborn|Goodhue|Houston|Le Sueur|Martin|Mower|Nicollet|Olmsted|Rice|Sibley|Steele|Wabasha|Waseca|Watonwan|Winona县，Minnesota购房者的可免除贷款，由Three Rivers Community Action, Inc.管理。 Three Rivers Community Action's Gap Financing program provides need-based down payment and closing cost assistance to income-qualified first-time homebuyers in the 20 counties of southeastern Minnesota. Assistance is a 0% interest, forgivable loan up to $18,500 with a 10-year term, recorded as a second mortgage and due on sale or satisfaction of the first mortgage. Funded by the MHFA Community Homeownership Impact Fund. 0% interest. No monthly payment. Forgivable over 10 years. Helps fill the gap between home price and affordable mortgage amount. 资金来自Minnesota Housing Finance Agency Community Homeownership Impact Fund。

Three Rivers Community Action Gap Financing Program提供最高$18,500的援助。 购房者自付部分：Minimum $500 of buyer's own funds; FHA buyers must provide the 3.5% downpayment from their own funds. 该项目可与MHFA Start-Up with DPA, USDA/RD products, local/lender DPA, seller concessions, gifts.结合使用。 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Three Rivers Community Action, Inc.决定。

Three Rivers Community Action Gap Financing 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：Due on sale of the home or satisfaction (payoff) of the first mortgage; otherwise forgiven over the 10-year term. 该援助以Second mortgage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。

Three Rivers Community Action Gap Financing Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Home Stretch Workshop or Framework (certificate required prior to closing; class listings at hocmn.org).提供。 Per the program's April 2026 guidelines page the Gap Financing fund was reported OUT OF FUNDS as of June 2026 - verify current funding before publishing. Recurring annually via MHFA Impact Fund. Signed purchase agreement and first-mortgage pre-approval required; complete application at least 30 days before closing; buyer minimum $500 contribution; max $10,000 liquid assets retained; equity contribution over 20% disqualifies; no cash back at closing; $500 administration fee.

Three Rivers Community Action Gap Financing Program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。 Combined gross household income below 80% of state median income (June 2, 2025): Olmsted & Dodge $100,500; all other counties $93,600. 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。

Three Rivers Community Action Gap Financing Program的房价上限如下：No stated max purchase price; buyers with equity contributions over 20% of purchase price are not eligible. 符合条件的房屋类型包括Single Family、New Construction和Existing Home。 新建房屋符合条件。

Three Rivers Community Action Gap Financing Program服务于在Blue Earth|Brown|Dodge|Faribault|Fillmore|Freeborn|Goodhue|Houston|Le Sueur|Martin|Mower|Nicollet|Olmsted|Rice|Sibley|Steele|Wabasha|Waseca|Watonwan|Winona县，Minnesota购房的购房者。

Three Rivers Community Action Gap Financing Program的申请通过Three Rivers Community Action, Inc.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; no pre-approvals; complete application required at least 30 days prior to closing.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。