St. Joseph Housing Initiative Down Payment Assistance

St. Joseph Housing Initiative Down Payment Assistance是面向St. Joseph，Missouri购房者的可免除贷款，由St. Joseph Housing Initiative (SJHI)管理。 St. Joseph Housing Initiative fully renovates homes and offers them exclusively for purchase to first-time homebuyers of low and moderate income who qualify for a mortgage. Each SJHI home comes with $5,000 of down payment assistance in the form of a 5-year forgivable loan, plus the Homeowner Readiness Academy, home furnishings through a partner organization, and ongoing support. $5,000 down payment assistance as a 5-year forgivable loan toward the purchase of an SJHI-renovated home, plus homebuyer education and move-in support.

St. Joseph Housing Initiative Down Payment Assistance提供最高$5,000的援助。 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St. Joseph Housing Initiative (SJHI)决定。

St. Joseph Housing Initiative Down Payment Assistance在5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：Sale or transfer / non-occupancy before the end of the 5-year forgiveness period。 该援助以second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。

St. Joseph Housing Initiative 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。 Assistance is only available with the purchase of an SJHI-renovated home. Buyer must be a first-time homebuyer of low/moderate income and qualify for a mortgage (SJHI does not finance the purchase). Completion of SJHI Homeowner Readiness Academy is required to purchase an SJHI home. SJHI is a faith-based organization but serves all backgrounds. Note: SJHI's mailing address is in St. Louis though it serves St. Joseph homes.

St. Joseph Housing Initiative Down Payment Assistance的收入限制如下：Low- and moderate-income households (specific limits provided in SJHI 'How to Qualify' form)。 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。

St. Joseph Housing Initiative Down Payment Assistance服务于在St. Joseph，Missouri购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

St. Joseph Housing Initiative Down Payment Assistance的申请通过St. Joseph Housing Initiative (SJHI)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。