Downpayment Assistance

Downpayment Assistance是面向Buncombe县，North Carolina购房者的延期第二贷款。 Buncombe County's Downpayment Assistance program provides up to $40,000 in forgivable second-lien financing for low- to moderate-income buyers purchasing a home in Buncombe County (including the City of Asheville). Funded by the County's general fund and HOME funds. Forgiven 1/180th per month over a 15-year affordability period; repaid on sale or non-owner-occupancy. Up to $40,000 0% interest deferred-payment second mortgage for down payment and closing costs. Forgiven over 15 years (1/180th per month) when used in conjunction with an Affordable Housing Services Program project. otherwise repayable on sale, transfer, or non-occupancy. Recipient must contribute at least $1,000 of own funds. 资金来自Buncombe County General Fund; HUD HOME Investment Partnerships。

Downpayment 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：Sale, transfer, refinance with cash-out, or failure to occupy as primary residence within 15-year affordability period triggers repayment of unforgiven balance. 该援助以2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。

Downpayment Assistance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：No published minimum; lender underwriting governs. 须参加购房者教育课程，由HUD-approved housing counseling agency. 8-hour homebuyer education required prior to closing.提供。 居住要求：Property must be located in Buncombe County, NC (including the City of Asheville). 公民身份或移民身份：U.S. citizen or qualified alien required for HOME-funded assistance. Buyer's household income at or below 80% AMI. Must complete HUD-approved homebuyer education. Property must be located in unincorporated Buncombe County or City of Asheville (within Buncombe). Liquid asset cap of $20,000 (excluding retirement). Front-end PITI ratio not to exceed 35%, back-end 45%. First mortgage must be fully amortizing fixed-rate.

Downpayment 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。 Household income must not exceed 80% HUD AMI for Asheville, NC MSA (FY2025): 1p $47,600; 2p $54,400; 3p $61,200; 4p $68,000; 5p $73,450; 6p $78,900; 7p $84,350; 8p $89,800. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Downpayment Assistance的房价上限如下：No fixed cap, but must not exceed 95% of HUD-published area median purchase price for the County. 符合条件的房屋类型包括Single-family detached, townhouse, condominium, or eligible manufactured home on permanent foundation. 新建房屋符合条件。 预制房屋符合条件。

Downpayment 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、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。

Downpayment Assistance服务于在Buncombe县，North Carolina购房的购房者。

Downpayment 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Lender or buyer applies via Affordable Housing office; first-come, first-served.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。