Down Payment Assistance Program

Down Payment Assistance Program是面向Norfolk，Nebraska购房者的补助金。 NPHA tribal-restricted DPA grant funded through FHLB NAHI; up to $25,000 per household typical (higher in some cycles up to $40,000). 5-year owner-occupancy retention; fully forgivable thereafter. Service area: 15-county region in NE/IA/SD. Northern Ponca Housing Authority (NPHA) administers a Down Payment Assistance grant program for Native American homebuyers, funded primarily through the Federal Home Loan Bank (FHLB) Native American Homeownership Initiative (NAHI) Grant Program. NPHA has historically received NAHI funding cycles in partnership with First National Bank of Omaha (most recently $500,000 supporting roughly 10 households at up to $25,000 each, with higher individual awards up to $40,000 in some funding cycles). The DPA grant is fully forgivable after a 5-year owner-occupancy retention period. Funds may be used for down payment, closing costs, and (in some cycles) limited home repair costs. 资金来自Federal、FHLB、NAHI和Tribal。

Down Payment Assistance Program属于补助金，因此无需偿还。 触发还款的情形：Fully forgivable after 5-year owner-occupancy retention period. If property sold, refinanced (cash-out), or no longer owner-occupied within 5 years, pro-rata recapture applies per FHLB NAHI rules. 该援助以Forgivable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 Program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：Per partner-lender first-mortgage product (typically 620-640 mid-FICO). 须参加购房者教育课程，由NPHA homebuyer / tenant counseling and credit/budget counseling provided in-house. Additional NIFA-approved homebuyer education accepted.提供。 居住要求：Property must be located in NPHA's 15-county service area: Boyd, Burt, Douglas, Hall, Holt, Knox, Lancaster, Madison, Platte, Sarpy, Stanton, Wayne (NE); Woodbury (IA); Charles Mix (SD); plus areas served under tribal jurisdiction. 公民身份或移民身份：U.S. citizen and enrolled member of federally recognized Native American tribe. Applicant must be an enrolled member of a federally recognized Native American tribe, with preference given to enrolled members of the Ponca Tribe of Nebraska. Income within HUD income guidelines for the household size and county ($46,350-$115,650 per seed). Property must be located within NPHA's 15-county service area in Nebraska (Boyd, Burt, Douglas, Hall, Holt, Knox, Lancaster, Madison, Platte, Sarpy, Stanton, Wayne), Iowa (Woodbury), and South Dakota (Charles Mix). Owner-occupied principal residence required for at least 5 years (NAHI retention period). Documentation required: proof of income, tribal affiliation (CDIB / tribal enrollment card), and identification.

Down Payment Assistance Program将家庭收入限制在$115,650。 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 Program的房价上限如下：Per partner first-mortgage product / FHLB NAHI rules; no NPHA-specific cap published. 符合条件的房屋类型包括Existing single-family detached, condominium, townhouse、manufactured home on permanent foundation和new construction permitted under FHLB NAHI rules. 新建房屋符合条件。 预制房屋符合条件。

Down Payment Assistance Program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、遗属配偶和美洲印第安人和阿拉斯加原住民购房者。 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。

Down Payment Assistance Program服务于在Norfolk，Nebraska购房的购房者。 该项目针对特定区域：NPHA 15-county service area: Boyd, Burt, Douglas, Hall, Holt, Knox, Lancaster, Madison, Platte, Sarpy, Stanton, Wayne (NE); Woodbury (IA); Charles Mix (SD).

Down Payment Assistance Program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 NPHA Housing Assistance department; funded annually subject to FHLB NAHI award cycles. Awards typically limited to 10-20 households per funding cycle.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。