HRDC's Road to Home Down Payment Assistance

HRDC's Road to Home Down Payment Assistance是面向Bozeman，Montana购房者的延期第二贷款。 SW MT Community Housing Trust 0% deferred second mortgage for FTHBs in Gallatin/Park/Meagher counties; pairs with an MBOH first mortgage. Independent 501(c)(3) sister org to HRDC. The Road to Home Down Payment Assistance program is administered by the Southwest Montana Community Housing Trust (SW MT CHT) - a separate 501(c)(3) Community Land Trust originally incubated by HRDC and continuing as an HRDC partner organization. Provides 0% deferred-payment second mortgages to first-time homebuyers purchasing in Gallatin, Park, or Meagher counties. Loan amount sized to need. pairs with an MBOH Regular Bond first mortgage. 0% interest, no monthly payments. balance due on sale, refinance, payoff, or non-owner-occupancy. Borrower must contribute 1% of purchase price. Net Asset cap applies post-closing. Required SW MT CHT / HRDC Homebuyer Education. The proposed first-mortgage interest rate must be fixed for the entire term and cannot exceed the MBOH loan rate by more than 1.5 points. 资金来自Federal和HOME。

HRDC's Road to Home Down Payment Assistance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, payoff of first mortgage, transfer, or non-owner-occupancy. 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。

HRDC's Road to Home 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。 此处的“首次”有例外情况：FTHB defined per MBOH; no ownership of principal residence in past 3 years; no one in household may currently own residential property. 关于信用，该项目说明：620 minimum mid-FICO (matches MBOH); per SW MT CHT and first-mortgage lender requirements. 须参加购房者教育课程，由SW MT CHT or HRDC-administered Homebuyer Education (HUD-approved curriculum, e.g., Framework or eHome America) plus 1:1 counseling.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. Must qualify as a first-time homebuyer per MBOH definition (no ownership of principal residence in past 3 years; no current ownership of residential property by anyone in household). Owner-occupied principal residence. Income within program guidelines (HUD HOME income limits; per seed $48,100 1p up to $115,150 8p; some tiers extend to 120% AMI). Net Asset cap applies after closing. 1% borrower contribution required. Homebuyer education required. First-mortgage interest rate must be fixed for full term and cannot exceed MBOH rate by more than 1.5 points.

HRDC's Road to Home Down Payment Assistance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) up to $115,150 (8p Gallatin County 80% AMI). Some workforce-housing tiers extend to 120% AMI. 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。

HRDC's Road to Home Down Payment Assistance将房价上限设为$513,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和CLT-encumbered properties also eligible. Manufactured home on permanent foundation per overlays. 新建房屋符合条件。 预制房屋符合条件。

HRDC's Road to Home Down Payment Assistance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。

HRDC's Road to Home Down Payment Assistance服务于在Bozeman，Montana购房的购房者。

HRDC's Road to Home Down Payment Assistance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 SW MT CHT; subject to funding availability and homebuyer 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。