First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)是面向Missoula，Montana购房者的延期第二贷款，由Human Resource Council District XI (HRC)管理。 The Human Resource Council District XI operates a revolving loan fund providing deferred-payment, no-interest second mortgages of up to $90,000 to qualified first-time homebuyers in Mineral, Missoula, and Ravalli Counties. The loan fills the gap between purchase price and the maximum the first lender will lend; only the minimum assistance needed is provided. No payments are due while the first mortgage is being paid, with repayment (plus simple interest) due when the first mortgage is satisfied. No-interest, no-payment deferred second up to $90,000. Fills financing gap to a modest home. Only minimum needed is loaned. Serves three western Montana counties. 资金来自HRC revolving loan fund (HOME/community development sources)。

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)提供最高$90,000的援助。 援助档次：Single deferred-payment, no-interest second mortgage; amount is the minimum gap needed (max $90,000). 购房者自付部分：Household must contribute a minimum down payment of 3% of the home's purchase price. 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Human Resource Council District XI (HRC)决定。

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)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：Repayment due once the first mortgage is satisfied - sale, refinance, or payoff. Deferred simple interest is included in the payoff. 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。

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)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HRC-approved homeownership course; e.g., Homeword (homeword.org) or eHomeAmerica.提供。 居住要求：Property must be in Mineral, Missoula, or Ravalli County. Borrower must contribute 3% down. PITI must fall within 28-32% of gross income; total debt ratio capped at 42%. Income limits are county-specific and updated annually (2025 figures shown).

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)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。 Household annual gross income at or below 80% of HUD median income up to day of closing. 2025 limits (1-7 persons): Missoula County $55,200/$63,050/$70,950/$78,800/$85,150/$91,450/$97,750; Ravalli County $52,200/$59,650/$67,100/$74,500/$80,550/$86,500/$92,450; Mineral County $48,900/$55,900/$62,900/$69,850/$75,450/$81,050/$86,650. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为7。 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。

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)的房价上限如下：May not exceed HUD-HOME maximum purchase price limits: Missoula County $490,000; Ravalli County $475,000; Mineral County $365,000.

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)服务于在Missoula，Montana购房的购房者。

First-Time Homebuyer Down Payment Assistance Program (Human Resource Council District XI)的申请通过Human Resource Council District XI (HRC)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。