Home$tart Plus

Home$tart Plus是面向Billings，Montana购房者的补助金。 FHLB Des Moines enhanced 4:1 matching grant up to $15,000 for FTHBs currently receiving public housing assistance; 5-year retention. City of Billings partner channel. Home$tart Plus is the FHLB Des Moines enhanced grant tier for FTHBs who are CURRENTLY receiving public housing assistance (Section 8 Housing Choice Voucher, Public Housing, Family Self-Sufficiency, etc.). Provides up to $15,000 grant (DOUBLE the standard Home$tart grant) toward down payment, closing costs, and counseling fees, matched 4:1 against borrower-saved equity. 5-year retention. pro-rata recapture if home is sold or no longer owner-occupied within 5 years. Disbursed at closing through participating FHLB Des Moines member banks. City of Billings Community Development partners on outreach and eligibility verification for Billings-area buyers transitioning out of public housing assistance. 资金来自Federal和FHLB。

Home$tart Plus提供最高$15,000的援助。 购房者自付部分：Borrower must contribute saved equity matched 4:1 by the grant (up to $3,750 borrower / $15,000 grant). 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管理该项目的机构决定。

Home$tart Plus属于补助金，因此无需偿还。 触发还款的情形：Pro-rata recapture if home is sold or no longer owner-occupied within 5 years of closing. No recapture after 5 years. 该援助以Grant (no lien beyond retention covenant)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。

Home$tart Plus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 exceptions to the 3-year FTHB requirement. 关于信用，该项目说明：No published minimum FICO; per first-mortgage lender requirements. 须参加购房者教育课程，由HUD-approved homebuyer education (NeighborWorks Montana, HRDC, NWGF, or other HUD-approved counseling agency).提供。 居住要求：Property must be located in FHLB Des Moines member's service area; serves as borrower's primary residence. 公民身份或移民身份：Per FHLB Des Moines: U.S. citizen or eligible non-citizen. Borrower must currently be receiving public housing assistance (Section 8 voucher, Public Housing, FSS, or similar). Property may be located anywhere in FHLB Des Moines member's service area; City of Billings partner channel for Billings buyers. FTHB required. Owner-occupied principal residence. Income at or below 80% AMI per HUD MFI for the area. Borrower must contribute saved equity matched 4:1 (up to $3,750 borrower / $15,000 grant). Homebuyer education required. 5-year retention covenant.

Home$tart Plus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。 80% AMI for the area per HUD MFI. Per seed: $55,200 (1p) up to $104,050 (8p) for Yellowstone County / Billings MSA. 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。

Home$tart Plus的房价上限如下：Per FHLB Des Moines product guidelines / member bank underwriting. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD per first-mortgage product overlays. 新建房屋符合条件。 预制房屋符合条件。

Home$tart Plus在其服务群体中提到了现役军人、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。

Home$tart Plus服务于在Billings，Montana购房的购房者。

Home$tart Plus的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved by participating FHLB Des Moines member bank during open Home$tart Plus funding rounds.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。