Down Payment and Closing Cost Assistance - DCA

Down Payment and Closing Cost Assistance - DCA是面向Statewide，North Dakota购房者的延期第二贷款。 NDHFA 0% deferred second mortgage of up to 3% of the first mortgage amount (max ~$10,000) with no monthly payments; balance due on sale, refinance, payoff, or non-owner-occupancy. Standard tier. Pairs with NDHFA FirstHome or HomeAccess first mortgage. Statewide. NDHFA Down Payment & Closing Cost Assistance - DCA is the North Dakota Housing Finance Agency's standard tier deferred-payment second mortgage program. Eligible homebuyers may receive a 0% interest second mortgage of up to 3% of the first mortgage amount (typically capped at $10,000) with NO monthly payments. The full balance is due on sale, refinance, payoff of the first mortgage, transfer of title, or non-owner-occupancy. Funds may be used for down payment and/or closing costs. DCA pairs with NDHFA's FirstHome (FTHB-required) or HomeAccess (non-FTHB / targeted-buyer) bond first mortgages. 资金来自State和Bond。

Down Payment and Closing Cost Assistance - DCA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 on sale, refinance, payoff of first mortgage, transfer of title, or property ceasing to be borrower's primary residence. No monthly payments during life of first mortgage. 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。

Down Payment and Closing Cost Assistance - DCA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：DCA may be paired with HomeAccess first mortgage which does NOT require first-time homebuyer status for borrowers in federally targeted census tracts, qualified veterans, or borrowers meeting other HomeAccess eligibility (income-based). 关于信用，该项目说明：640 minimum representative mid-FICO across all NDHFA bond programs (manual underwrite may require 660+). 须参加购房者教育课程，由NDHFA-approved homebuyer education provider. Acceptable providers include Framework, eHome America, NeighborWorks ND-affiliated agencies (Lewis & Clark Development Group, Community Action Partnership), and HUD-approved counseling agencies operating in North Dakota.提供。 居住要求：Property must be located in North Dakota and serve as the borrower's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. Must qualify for and be paired with an NDHFA FirstHome or HomeAccess first mortgage. Borrower household income must fall within NDHFA published limits ($56,850 1-2p lower-county up to $110,000 3+p Williston Basin / targeted area). Purchase price within NDHFA limits ($481,176 non-targeted / $616,111 targeted per 2025-2026 schedule). 640 mid-FICO minimum. 50% maximum DTI. $500 minimum borrower contribution. NDHFA-approved homebuyer education required. Owner-occupied principal residence. Cannot be combined with NDHFA Start DPA on the same transaction.

Down Payment and Closing Cost Assistance - DCA将家庭收入限制在$110,000。 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。

Down Payment and Closing Cost Assistance - DCA将房价上限设为$616,111。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 1-unit owner-occupied primary residences. 新建房屋符合条件。 预制房屋符合条件。

Down Payment and Closing Cost Assistance - DCA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和遗属配偶。 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。

Down Payment and Closing Cost Assistance - DCA服务于在Statewide，North Dakota购房的购房者。 该项目针对特定区域：Federally designated IRS targeted census tracts (per Section 143) where NDHFA waives FTHB requirement and applies higher income / purchase price limits. Williston Basin / Bakken oil-patch counties also receive higher income limits under NDHFA's energy-impact county classification.

Down Payment and Closing Cost Assistance - DCA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Reserved by NDHFA-approved participating lender via NDHFA Lender Online portal at the time of first-mortgage rate lock.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。