FHLBank Des Moines Home$tart

FHLBank Des Moines Home$tart是面向Missouri购房者的补助金，由Federal Home Loan Bank of Des Moines (through participating member financial institutions)管理。 Home$tart is a down payment and closing cost assistance grant program offered by FHLBank Des Moines through its participating member financial institutions. It serves qualifying first-time homebuyers across the FHLBank Des Moines district, which includes Missouri. Funds are released quarterly on a first-come, first-served basis and accessed through a participating member lender. Grant of $15,000 ($25,000 for households purchasing in Hawaii) toward down payment and closing costs for qualifying first-time homebuyers. 资金来自FHLBank Des Moines Affordable Housing Program (AHP) set-aside。

FHLBank Des Moines Home$tart提供最高$15,000的援助。 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Federal Home Loan Bank of Des Moines (through participating member financial institutions)决定。

FHLBank Des Moines Home$tart属于补助金，因此无需偿还。 触发还款的情形：Prorated repayment if home sold within 5 years (forgiven for sale at a loss, sale to another LMI buyer, or foreclosure)。 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。

FHLBank Des Moines Home$tart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。 Must work with a participating FHLBank Des Moines member financial institution; not all lenders participate. Household income at or below 80% of area median income. Funds are first-come, first-served with a limit of $150,000 per member per down payment program; releases occur quarterly (2026: Jan 2, Apr 1, Jul 1, Oct 1) and frequently exhaust quickly. Five-year retention/deed restriction requiring prorated repayment if the home is sold within five years (forgiven for sale at a loss, to another LMI buyer, or foreclosure). As of the April 1, 2026 release, funds were fully reserved; check current availability through a member lender.

FHLBank Des Moines Home$tart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。 Income-eligible owner-occupant households at or below 80% of area median income (size-adjusted). 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。

FHLBank Des Moines Home$tart服务于在Missouri任何地方购房的购房者。

FHLBank Des Moines Home$tart的申请通过Federal Home Loan Bank of Des Moines (through participating member financial institutions)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。