NeighborWorks Montana HOME Down Payment & Closing Cost Assistance

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance是面向Statewide，Montana购房者的延期第二贷款，由NeighborWorks Montana管理。 NeighborWorks Montana provides federal HOME-funded down payment and closing cost second mortgages to fill the gap between total financing needed and the amount the first lender will lend, in counties not served by other HOME administrators. The primary tier offers $2,500-$25,000 (up to $40,000) at 0% interest with no payments for 15 years to buyers at or below 80% AMI. A second amortizing tier of $1,500-$10,000 serves households up to 125% AMI without a first-time-buyer requirement. 0% interest deferred for 15 years (Tier 1). Fills financing gap. Borrower can put in as little as 1%. Higher-income amortizing option available. Disabled-household and single-parent eligibility exceptions. 资金来自Federal HOME Investment Partnerships Program funds。

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance提供$2,500至$40,000的援助。 援助档次：Tier 1 (HOME funds): $2,500-$25,000 (up to $40,000), 0% interest, no payments for 15 years, income at or below 80% AMI, must be first-time buyer/single parent/household with disabled individual. Tier 2 (higher-income amortizing): $1,500-$10,000 for households up to 125% AMI, not required to be first-time buyers, amortizing with monthly payments. 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NeighborWorks Montana决定。

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance在15年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Due in 15 years or when the borrower leaves or refinances the home (Tier 1, 0% deferred). 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。

NeighborWorks Montana HOME Down Payment & Closing Cost 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：Tier 1 first-time-buyer requirement waived for single parents with dependent children or households that include a disabled individual; Tier 2 (up to 125% AMI) does not require first-time buyer status. 须参加购房者教育课程，由Homebuyer education class from a NeighborWorks Montana partner organization.提供。 居住要求：HOME funds available only where other organizations with similar funds do not operate. Approved counties: Anaconda-Deer Lodge, Broadwater, Butte-Silver Bow, Carbon, Cascade, Fergus, Flathead, Glacier, Hill, Lake, Lincoln, Lewis & Clark, Pondera, Stillwater, Yellowstone. Approved cities: Baker, Choteau, Columbia Falls, Columbus, Havre, Helena, Kalispell, Laurel, Lewistown, Miles City, Red Lodge, Whitefish. Incorporated cities within approved counties MAY NOT be approved - verify the specific city. Fund availability must be confirmed before reservation.

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance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。 Tier 1 (HOME): at or below 80% of county median income by family size. Tier 2: up to 125% of county median income by family size. 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。

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance在其服务群体中提到了残障购房者。 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。

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance服务于在Statewide，Montana购房的购房者。 该项目针对特定区域：Counties/cities not served by other HOME-fund administrators (see residency requirement).

NeighborWorks Montana HOME Down Payment & Closing Cost Assistance的申请通过NeighborWorks Montana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Lender must check fund availability with NeighborWorks Montana prior to reservation.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。