Welcome Home (Sakan) Down Payment Assistance

Welcome Home (Sakan) Down Payment Assistance是面向Saint Paul，Minnesota购房者的可免除贷款，由NeighborWorks Home Partners管理。 The Welcome Home (Sakan) program provides down payment and closing-cost assistance of up to 30% of a home's purchase price, capped at $50,000, as a 0% interest forgivable loan (10% forgiven per year over 10 years), paired with fee-based/zero-interest (Sharia-compliant) first financing for homes purchased anywhere in Minnesota. Up to $50,000 assistance. 0% interest. Forgiven 10%/yr over 10 years. Compatible with Sharia-compliant first financing. For down payment, closing costs, or principal buy-down. 资金来自NeighborWorks Home Partners。

Welcome Home (Sakan) Down Payment Assistance提供最高$50,000的援助。 购房者自付部分：Borrower must contribute at least $1,000 of their own funds; gifts/grants/loans not acceptable. 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NeighborWorks Home Partners决定。

Welcome Home (Sakan) Down Payment Assistance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：Repaid in full if, during the 10-year term, the property is sold, transferred, refinanced, or no longer the borrower's principal residence (otherwise forgiven 10%/yr). 该援助以Subordinate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。

Welcome Home (Sakan) 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。 “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, Framework, or Realizing the American Dream (within past 12 months and before purchase agreement).提供。 居住要求：At least one borrower must currently live in Minnesota. Pairs with interest-free, fee-based (Islamic/Sharia-compliant) first mortgages; valid pre-approval without co-signer required.

Welcome Home (Sakan) Down Payment Assistance将家庭收入限制在地区收入中位数的130%，该数值因县和家庭人数而异。 Gross household income from all sources <= 130% of HUD Minneapolis/St. Paul Metro AMI. 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。

Welcome Home (Sakan) Down Payment Assistance将房价上限设为$766,550。 符合条件的房屋类型包括Single Family、2-4 Unit、Townhouse、Condo、Manufactured和Cooperative/Mutual (up to 4 units)。 预制房屋符合条件。

Welcome Home (Sakan) Down Payment Assistance服务于在Saint Paul，Minnesota购房的购房者。

Welcome Home (Sakan) Down Payment Assistance的申请通过NeighborWorks Home Partners办理，该机构在其网站上公布现行条款和申请步骤。 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。