DREAM Fund

DREAM Fund是面向Mandan，North Dakota购房者的延期第二贷款。 Lewis & Clark Development Group (LCDG) CDFI-funded repayable second-mortgage down payment and closing-cost assistance for working households in 15-county Western/Central ND service area. Workforce-housing focused. Income $58,450-$137,550 (80%-140% AMI). The DREAM Fund (Down-payment and Renovation Equity Acquisition Mortgage) is a CDFI-administered down payment and closing-cost assistance loan from Lewis & Clark Development Group (LCDG), a federally certified Community Development Financial Institution serving Western and Central North Dakota. The DREAM Fund provides repayable second-mortgage assistance to working households purchasing homes in LCDG's multi-county service area, with an emphasis on workforce housing in Bakken oil-patch and energy-impact communities. Funds may be used for down payment, closing costs, and (in some cases) limited rehab/renovation at acquisition. Income range $58,450-$137,550 reflects the 80%-140% AMI band across the multi-county service area. Repayable second. specific rate, term, and amortization vary by borrower tier and underwriting. 资金来自Federal和CDFI。

DREAM Fund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：Repayable second mortgage - amortizing monthly payments per LCDG note terms, OR balance due on sale, refinance, payoff of first mortgage, transfer of title, or non-owner-occupancy if structured as deferred per borrower tier. 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。

DREAM Fund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 mid-FICO under LCDG underwriting overlay. 须参加购房者教育课程，由Lewis & Clark Development Group HUD-approved housing counseling agency - homebuyer education and 1:1 financial counseling delivered by LCDG staff in Mandan ND and via virtual classes for the multi-county service area.提供。 居住要求：Property must be located within LCDG's Western/Central ND multi-county service area and serve as 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. Borrower household income within LCDG DREAM Fund range ($58,450-$137,550 across multi-county service area, 80%-140% AMI). Owner-occupied principal residence in LCDG's Western/Central ND service area (Adams, Billings, Bowman, Burleigh, Dunn, Emmons, Golden Valley, Grant, Hettinger, Mercer, Morton, Oliver, Sioux, Slope, Stark counties typically). 640 minimum mid-FICO. 45% max DTI. Required LCDG homebuyer education + 1:1 housing counseling. Repayable second mortgage - terms set per borrower tier and underwriting.

DREAM Fund将家庭收入限制在$137,550。 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。

DREAM Fund的房价上限如下：No specific DREAM Fund purchase price ceiling beyond first-mortgage product limits; if paired with NDHFA first, NDHFA limits ($481,176 non-targeted / $616,111 targeted) apply. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation - 1-unit owner-occupied primary residences. 新建房屋符合条件。 预制房屋符合条件。

DREAM Fund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。

DREAM Fund服务于在Mandan，North Dakota购房的购房者。 该项目针对特定区域：Western/Central ND counties served by LCDG: Adams, Billings, Bowman, Burleigh, Dunn, Emmons, Golden Valley, Grant, Hettinger, Mercer, Morton, Oliver, Sioux, Slope, Stark - with energy-impact / workforce-housing emphasis in Bakken oil-patch counties.

DREAM Fund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Direct application to Lewis & Clark Development Group (LCDG) at lcdgroup.org/dream-fund/. Coordinated with first-mortgage lender at loan application.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。