Down Payment Assistance

Down Payment Assistance是面向Lincoln，Nebraska购房者的延期第二贷款。 NWL interest-free, payment-deferred soft second mortgage covering 5% down payment + closing costs for first-time buyers in Lincoln (Lancaster County). $247,000 max purchase. 640 FICO. Lancaster County 1-year residency required. NeighborWorks Lincoln (NWL) provides Down Payment Assistance (DPA) to help with the required down payment and closing costs that go along with purchasing a home in Lincoln, Nebraska. Assistance amounts vary per family and are based on the purchase price of the home and household income. The DPA is provided through an interest-free, payment-deferred soft second mortgage that covers a 5% down payment and closing costs associated with the purchase. Payment on the loan is due upon sale of the property or if the program participant no longer uses it as their primary residence. Special incentives are available to buyers who purchase homes in NWL target neighborhoods (Malone/Hawley, Capitol View, Northeast Radial). Financial assistance also covers a limited rehabilitation scope focused on structural repairs. 资金来自Federal、HOME、CDBG和City。

Down Payment 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：Full balance due upon sale of the property, refinance, or when the program participant no longer uses the home as their primary residence. No monthly payments during the life of the loan. 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 Assistance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：Must be a first-time homebuyer (no homeownership in past 3 years). 关于信用，该项目说明：640 minimum mid-FICO across all three credit bureaus. 须参加购房者教育课程，由NeighborWorks Lincoln 4-class Homebuyer Education program (taught by NWL-certified instructors) plus 1:1 financial counseling.提供。 居住要求：Must be a Lancaster County resident for at least 1 year. Property must be within Lincoln city limits. Owner-occupied principal residence required. 公民身份或移民身份：U.S. permanent resident. Minimum credit score 640; stable employment history; minimum $1,000 of borrower's own funds in a bank account at time of purchase. Household income must fall within program limits (50%-120% AMI tier depending on property location). Must be a U.S. permanent resident and a Lancaster County resident for at least 1 year. Must be a first-time homeowner (no homeownership in past 3 years). Property must be within Lincoln city limits. Completion of NWL 4-class Homebuyer Education + 1:1 financial counseling required prior to closing.

Down Payment Assistance将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 NWL DPA income range $60,200-$141,900 reflects HUD AMI by household size for Lincoln MSA, with 50% AMI baseline for some products and up to 120% AMI for affordable homes in target neighborhoods. Specific eligibility tier determined at application. 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 Assistance将房价上限设为$247,000。 符合条件的房屋类型包括Existing single-family homes anywhere within Lincoln city limits. Some condos/townhouses eligible per NWL underwriting. 新建房屋不符合条件。 预制房屋不符合条件。

Down Payment Assistance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 Assistance服务于在Lincoln，Nebraska购房的购房者。 该项目针对特定区域：NWL Partner Neighborhoods (Malone/Hawley, Capitol View) and Northeast Radial corridor receive enhanced DPA incentives and may permit higher purchase price tiers and partial forgiveness.

Down Payment 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Application submitted through NWL Homeownership Department; reviewed on a rolling basis subject to funding availability.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。