Community Partners Loan Pool (CPLP)

Community Partners Loan Pool (CPLP)是面向Statewide，North Carolina购房者的延期第二贷款。 Community Partners Loan Pool (CPLP) is a statewide secondary-market funded affordable mortgage and DPA program for low- and moderate-income (≤80% AMI) first-time homebuyers in North Carolina. CPLP provides up to 20% of the sales price (typically capped at $30,000) as a 0%, deferred-payment second mortgage. CPLP is administered by DreamKey Partners, a Charlotte-based CDFI, in partnership with NCHFA, and is funded primarily by federal HOME funds and other affordable-lending capital sources. The Community Partners Loan Pool (CPLP) provides up to 20% of the sales price (typically $30,000 max, varying by funding cycle and county) as a 0%-interest deferred second mortgage to low- and moderate-income first-time homebuyers across North Carolina. The CPLP second is deferred (no monthly payments, no interest accrual) and becomes due only at sale, refinance, transfer, or end of loan term (typically the same 30-year term as the first mortgage). When paired with the NC Home Advantage Mortgage and the $15K NC 1st Home Advantage DPA, the borrower can stack up to ~$45K in soft-second financing. 资金来自Federal HOME Investment Partnership funds via NCHFA; CDFI capital aggregated by DreamKey Partners; participating financial institutions (Self-Help Credit Union historically a major funder)。

Community Partners Loan Pool (CPLP)按项目规定，提供相当于房价20%的援助。 该项目要求购房者自付$1,000 minimum borrower contribution from own funds typical; gift funds and seller credits do not satisfy the minimum。 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。

Community Partners Loan Pool (CPLP)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 at sale, refinance (without subordination), title transfer, or end of first-mortgage term (typically 30 years)和HOME affordability period (5/10/15 years) recapture rules apply if borrower no longer occupies as primary residence during that period。 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。

Community Partners Loan Pool (CPLP)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO (per NCHFA NC Home Advantage Mortgage pairing); some first-mortgage products may allow lower。 须参加购房者教育课程，由HUD-approved homebuyer education required; DreamKey Partners (formerly CCDC), Prosperity Unlimited, OnTrack WNC, Twin Rivers Opportunities, and other NCHFA-approved housing counseling agencies提供。 居住要求：Property must be in North Carolina and occupied as principal residence; HOME affordability period (5-15 years depending on subsidy amount) requires continued primary-residence occupancy。 公民身份或移民身份：U.S. citizen or qualified non-citizen per HOME program rules and first-mortgage product。 Borrower must be a first-time homebuyer (no ownership interest in a principal residence in past 3 years) at or below 80% Area Median Income (AMI) for the property's county per HUD income limits. Minimum borrower contribution typically $1,000 of own funds. Must complete HUD-approved homebuyer education. Property must be primary residence. CPLP is funded primarily by NC HOME Investment Partnership funds (federal HOME) administered through NCHFA and DreamKey Partners as a sub-recipient/intermediary. HOME affordability period applies (typically 5/10/15 years depending on assistance amount) - if borrower sells or moves out during the affordability period, full balance plus potential recapture per HOME rules. Must be paired with an approved first mortgage (NCHFA NC Home Advantage Mortgage, USDA 502, FHA, VA, or conventional).

Community Partners Loan Pool (CPLP)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。 Income limits set at 80% of HUD-published Area Median Income (AMI) for the property's county and household size, updated annually by HUD. 2025 NC county 4-person 80% AMI ranges from approximately $63,650 (rural counties such as Bertie, Robeson) to $105,300 (Raleigh-Cary MSA, Durham-Chapel Hill MSA, Charlotte-Concord-Gastonia MSA). Lookup property-specific limit on the NCHFA / HUD limits table or via the participating lender. 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。

Community Partners Loan Pool (CPLP)将房价上限设为$342,000。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied和new and existing。 新建房屋符合条件。 预制房屋符合条件。

Community Partners Loan Pool (CPLP)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、遗属配偶、执法人员、消防员、医护人员和残障购房者。 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。

Community Partners Loan Pool (CPLP)服务于在Statewide，North Carolina购房的购房者。 该项目针对特定区域：Available in all 100 NC counties; availability and amounts may vary by funding cycle and HOME participating jurisdiction. Some counties operate their own HOME PJ programs in parallel.

Community Partners Loan Pool (CPLP)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Lender reserves CPLP funds via DreamKey Partners' lender portal alongside NCHFA 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。