Mountain Housing Opportunities Down Payment Assistance Program (DAP)

Mountain Housing Opportunities Down Payment Assistance Program (DAP)是面向Asheville，North Carolina购房者的增值共享贷款，由Mountain Housing Opportunities, Inc.管理。 Mountain Housing Opportunities (MHO), a nonprofit serving Asheville and Western North Carolina, offers a Down Payment Assistance Program (DAP) that fills the cash gap between a homebuyer first mortgage and the total cost to purchase a home. Funds can be used for down payment, closing costs, or to increase purchasing power. Assistance is a deferred, no-monthly-payment shared-appreciation second mortgage. The City of Asheville does not operate a standalone DPA program; it administers federal HOME consortium funds sub-granted to nonprofit providers such as MHO. Serves Buncombe (including Asheville), Henderson, Madison, and Haywood counties. Up to $40,000 in the City of Asheville; up to $30,000 in Buncombe, Henderson, Madison and Haywood counties. Deferred loan with no monthly payments. Funds for down payment, closing costs, or increased purchasing power.

Mountain Housing Opportunities Down Payment Assistance Program (DAP)提供最高$40,000的援助。 援助档次：City of Asheville: up to $40,000. Buncombe (outside Asheville), Henderson, Madison, Haywood: up to $30,000. 购房者自付部分：Must have $1,000 of own funds to place toward the purchase. 该项目可与A compatible first mortgage (USDA Guaranteed, NCHFA Home Advantage, USDA 502 Direct, conventional, or qualifying portfolio loan)结合使用。 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Mountain Housing Opportunities, Inc.决定。

Mountain Housing Opportunities Down Payment Assistance Program (DAP)是增值共享贷款，按Mountain Housing Opportunities, Inc.设定的条款偿还。 触发还款的情形：Due on earliest of: sale or transfer, default on the first mortgage, or property ceasing to be principal residence. 该援助以Subordinate (second mortgage); MHO Deed of Trust subordinated to the first loan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。

Mountain Housing Opportunities Down Payment Assistance Program (DAP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：At least 640, or acceptable alternative credit. Below 640 requires credit counseling with OnTrack first. 须参加购房者教育课程，由OnTrack Financial Education & Counseling Services (OnTrack WNC); HUD-approved Homebuyer Education Course required before close.提供。 居住要求：Must live or work in Buncombe, Henderson, Madison, or Haywood counties for at least 12 months before application. Deferred, no-monthly-payment shared-appreciation (equity-sharing) second mortgage subordinate to the first. Due on earliest of: property sold/transferred, default on the senior first loan, or property ceasing to be principal residence. Repayment = greater of (original amount x Rate of Appreciation = Current Value / Purchase Value) or the original amount. MHO does not offer grants or forgivable loans. Minimum processing 21 days from receipt of all documents. Must not currently be a homeowner. Property inspection required; repairs may be required prior to closing. No construction loans. No manufactured housing.

Mountain Housing Opportunities Down Payment Assistance Program (DAP)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。 Households must earn less than 80% AMI. Max income (Buncombe/Henderson/Madison): 1p $57,350; 2p $65,550; 3p $73,750; 4p $81,900; 5p $88,500. Haywood lower: 1p $48,550; 4p $69,350. 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。

Mountain Housing Opportunities Down Payment Assistance Program (DAP)可用于Single Family、Townhouse、Condo和Modular。 新建房屋符合条件。 预制房屋不符合条件。

Mountain Housing Opportunities Down Payment Assistance Program (DAP)服务于在Asheville，North Carolina购房的购房者。

Mountain Housing Opportunities Down Payment Assistance Program (DAP)的申请通过Mountain Housing Opportunities, Inc.办理，该机构在其网站上公布现行条款和申请步骤。 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。