Matched Savings Account

Matched Savings Account是面向Great Falls，Montana购房者的补助金。 NWGF IDA-style 3:1 matched savings program: saver contributes up to $1,000 + $3,000 NWGF match = $4,000 total toward DPA/closing costs; functionally a grant once savings goal achieved. NWGF's Matched Savings Account is an Individual Development Account (IDA)-style program that helps prospective homebuyers achieve homeownership through guided savings, financial coaching, and a 3:1 match on borrower-saved equity. Saver contributes up to $1,000 of their own funds, NWGF provides up to $3,000 match, for a total of $4,000 toward down payment / closing costs at home purchase. Once the savings goal is achieved and the borrower closes on a qualified home, the match is disbursed AS A GRANT (no repayment). Two purposes: (1) help establish savings and budgeting habits in preparation for homeownership. (2) build a banking / lending relationship. NWGF Homebuyer Education + Homeownership Success Workshop required. Cannot have owned a home in the past 3 years. 资金来自Local和NWGF。

Matched Savings Account属于补助金，因此无需偿还。 触发还款的情形：No repayment required和match disbursed AS A GRANT at closing once savings goal achieved. 该援助以Grant (no 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。

Matched Savings Account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; cannot have owned a home in past 3 years. 关于信用，该项目说明：No published minimum FICO for the Matched Savings program itself (FICO assessed at first-mortgage qualification). 须参加购房者教育课程，由NWGF Homebuyer Education ($75 per household) and Homeownership Success Workshop required, plus ongoing 1:1 financial coaching during savings period.提供。 居住要求：Property must serve as borrower's primary residence (typically in NWGF service area; Cascade County and surrounding). 公民身份或移民身份：Per first-mortgage product overlays. Borrower CANNOT have owned a home within the past 3 years. Property must serve as primary residence. Annual household income within NWGF guidelines (broad; per seed $47,050 1p up to $138,672 8p, ~125% AMI). Borrower must save up to $1,000 over the program period; NWGF matches 3:1 (up to $3,000). NWGF Homebuyer Education + Homeownership Success Workshop required. Match disbursed at home-purchase closing.

Matched Savings Account将家庭收入限制在地区收入中位数的125%，该数值因县和家庭人数而异。 Up to ~125% AMI Cascade County per NWGF guidelines; per seed: $47,050 (1p) up to $138,672 (8p). 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。

Matched Savings Account的房价上限如下：Per first-mortgage product. 符合条件的房屋类型包括Single-family detached, condominium, townhouse per first-mortgage product overlays. 新建房屋符合条件。 预制房屋符合条件。

Matched Savings Account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。

Matched Savings Account服务于在Great Falls，Montana购房的购房者。

Matched Savings Account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 enrollment at NWGF; subject to available match funding and successful completion of Homebuyer Education / Workshop and savings goal.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。