Downpayment Assistance Program

Downpayment Assistance Program是面向Bozeman，Montana购房者的延期第二贷款。 HRDC District IX 0% deferred second mortgage up to $20,000-$30,000 for FTHBs in Gallatin, Park, and Meagher counties. HUD HOME-funded with state/local match. HRDC's Downpayment Assistance Program provides 0% deferred-payment second mortgages of up to ~$20,000-$30,000 (program-year and funding-cycle dependent) to first-time homebuyers in Gallatin, Park, and Meagher counties (HRDC District IX service area). Funds may be applied to down payment and closing costs. 0% interest, no monthly payments. balance due on sale, refinance, transfer, or non-owner-occupancy. Borrower must contribute 1% of purchase price. Required HRDC Homebuyer Education + 1:1 financial counseling session. Program funded through HUD HOME Consortium funds passed through Montana Department of Commerce, plus state and local affordability sources. 资金来自Federal和HOME。

Downpayment Assistance Program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：Full balance due on sale, refinance, transfer of title, or non-owner-occupancy. No monthly payments. 该援助以2nd Lien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。

Downpayment Assistance Program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：No published exceptions; FTHB definition aligned with MBOH (no ownership of principal residence in past 3 years). 关于信用，该项目说明：640 minimum mid-FICO typical; per HRDC underwriting and first-mortgage lender requirements. 须参加购房者教育课程，由HRDC Homebuyer Education classes (HUD-approved) + 1:1 housing/financial counseling session required. Provided in-house at HRDC Bozeman.提供。 居住要求：Property must be located in Gallatin, Park, or Meagher County, Montana, and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME requirements. Property must be located in Gallatin, Park, or Meagher County, Montana. First-time homebuyer required. Owner-occupied principal residence. Annual household income within HRDC limits ($48,100 1p 30%-AMI floor up to $115,150 8p 80%-AMI Gallatin County cap; some sub-products extend to 120% AMI). 640 minimum FICO typical. 45% maximum DTI. 1% borrower contribution required. HRDC Homebuyer Education + 1:1 financial counseling session required prior to closing.

Downpayment Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 HUD HOME income limits for Gallatin, Park, Meagher counties; per seed: $48,100 (1p, 30% AMI) up to $115,150 (8p, 80% AMI Gallatin County). Some sub-tiers extend to 120% AMI (workforce housing). 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。

Downpayment Assistance Program的房价上限如下：Per first-mortgage product (typically MBOH limits where paired with MBOH first mortgage). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per first-mortgage overlays. 新建房屋符合条件。 预制房屋符合条件。

Downpayment Assistance Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Downpayment Assistance Program服务于在Bozeman，Montana购房的购房者。

Downpayment Assistance Program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Direct application to HRDC Bozeman; subject to funding availability and counseling/education completion.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。