NC 1st Home Advantage Down Payment

NC 1st Home Advantage Down Payment是面向Statewide，North Carolina购房者的延期第二贷款。 NC 1st Home Advantage Down Payment is NCHFA's enhanced DPA option for first-time homebuyers (and military veterans), providing a flat $15,000 in down payment and closing-cost assistance. It is structured as a 0%-interest deferred second mortgage that is forgiven 20% per year in years 11-15, so borrowers who stay in the home for 15 years owe nothing. The program is funded with tax-exempt mortgage revenue bonds and must be paired with the NC Home Advantage Mortgage (NCHFA's bond-funded first mortgage). NC 1st Home Advantage Down Payment provides $15,000 in down payment assistance exclusively for first-time homebuyers (and military veterans, regardless of prior homeownership) using the NC Home Advantage Mortgage. The DPA is structured as a 0% interest, deferred second mortgage with no monthly payments. The lien is forgiven 20% per year starting in year 11, so a borrower who remains in the home through year 15 owes nothing. The full balance becomes due only if the borrower sells, refinances (without subordination), transfers title, or stops occupying the home as a principal residence during the first 15 years. 资金来自Tax-exempt Mortgage Revenue Bonds issued by NCHFA。

NC 1st Home Advantage Down Payment提供最高$15,000的援助。 购房者自付部分：No NCHFA-imposed minimum borrower contribution; loan-product overlays (FHA/VA/USDA/Fannie HFA Preferred) apply。 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。

NC 1st Home Advantage Down Payment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：Full balance due if the home is sold, refinanced (without subordination), title transferred, or no longer occupied as principal residence within first 10 years和lien forgiven 20% per year in years 11-15 and fully forgiven at end of year 15。 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。

NC 1st Home Advantage Down Payment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：First-time-homebuyer (3-year non-ownership) requirement is waived for qualifying military veterans and for buyers purchasing in federally designated targeted census tracts。 关于信用，该项目说明：640 minimum FICO for government loans (FHA/VA/USDA); 660 minimum FICO for conventional loans。 须参加购房者教育课程，由HUD-approved homebuyer education or counseling required (online or in person); list of approved providers available through NCHFA and participating lenders提供。 居住要求：Property must be in North Carolina and occupied as principal residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 Must be a first-time homebuyer (no ownership interest in a principal residence in the last 3 years) OR a qualifying military veteran (FTHB requirement waived) OR purchasing in a federally designated targeted census tract. Must be paired with an NC Home Advantage Mortgage (NCHFA's first-mortgage product). Maximum sales price $495,000 (statewide cap). Maximum qualifying income $152,000 (household income, all borrowers and non-borrower spouses on title). Property must be primary residence. Funded with tax-exempt mortgage revenue bonds, so federal recapture tax may apply if home is sold within 9 years and income/gain thresholds are exceeded.

NC 1st Home Advantage Down Payment将家庭收入限制在$152,000。 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。

NC 1st Home Advantage Down Payment将房价上限设为$495,000。 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 homes。 新建房屋符合条件。 预制房屋符合条件。

NC 1st Home Advantage Down Payment在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、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。

NC 1st Home Advantage Down Payment服务于在Statewide，North Carolina购房的购房者。 该项目针对特定区域：IRS-designated qualified census tracts (targeted areas) in North Carolina. In targeted areas, the first-time-homebuyer requirement is waived. Use NCHFA's targeted areas lookup to verify a property's status.

NC 1st Home Advantage Down Payment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 rate, first-mortgage funds, and DPA via NCHFA's online lender portal on a first-come, first-served basis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。