Homebuyer Assistance Program

Homebuyer Assistance Program是面向Statewide，Nebraska购房者的延期第二贷款。 NIFA bond-funded 10-year amortizing second mortgage of up to 5% of purchase price (approx. $10,000 max) at 1% interest, paired with a NIFA first mortgage. 640 FICO / 45% DTI; 660 FICO / 50% DTI. First-time homebuyer required. Statewide. The NIFA Homebuyer Assistance Program (HBA) opens the door to homeownership for Nebraskans who don't have funds for a down payment or closing costs. HBA combines a NIFA 30-year fixed-rate first mortgage with a second-mortgage DPA loan equal to up to 5% of the home's purchase price (typical maximum approximately $10,000). The second mortgage carries a 10-year (120-month) amortizing term at a 1% interest rate. the first-mortgage rate is slightly higher than NIFA's no-DPA programs because it includes the cost of the assistance. Funds may be applied to down payment and/or closing costs. Loan-type options include Conventional, FHA, VA, and USDA Rural Development. 资金来自State和Bond。

Homebuyer Assistance Program按项目规定，提供相当于房价5%的援助。 该项目要求购房者自付$1,000 minimum borrower investment (may be gifted). HBA second mortgage covers approximately 5% down payment plus closing costs. 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。

Homebuyer Assistance Program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：10-year (120-month) amortizing monthly payments. Balance due on sale, refinance, transfer of title, or non-owner-occupancy. 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。

Homebuyer Assistance Program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：Federally designated NIFA target census tracts and qualified veterans waive the first-time-homebuyer requirement. Other exceptions for divorce-loss without proceeds, natural disaster, or forced job relocation. 关于信用，该项目说明：640 minimum representative mid-FICO (45% max DTI). 660+ FICO permits up to 50% DTI. 须参加购房者教育课程，由NIFA-approved homebuyer education providers (Framework, eHome America, HUD-approved counseling agencies, NeighborWorks Lincoln, NeighborWorks Northeast Nebraska).提供。 居住要求：Property must be located in Nebraska and serve as borrower's principal residence within 60 days of closing. 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 a NIFA first-mortgage loan. First-time homebuyer required (waived for qualified veterans and in NIFA target census tracts). Owner-occupied principal residence within 60 days of closing. Income up to $104,200 (1-2 person non-targeted) / $159,180 (3+ person targeted). Acquisition cost within NIFA limits ($398,000 non-targeted / $485,500 targeted, 1 unit, effective 7/7/2025). 640 mid-FICO minimum (45% DTI); 660 FICO permits 50% DTI. $1,000 min borrower contribution. NIFA-approved first-time homebuyer education required prior to closing.

Homebuyer Assistance Program将家庭收入限制在$159,180。 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。

Homebuyer Assistance Program将房价上限设为$470,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD、2-4 unit per NIFA rules (5+ years old unless duplex in target area)和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Homebuyer 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。

Homebuyer Assistance Program服务于在Statewide，Nebraska购房的购房者。 该项目针对特定区域：NIFA-designated target areas (federally qualified census tracts under IRS Section 143) where FTHB is waived and higher income/purchase-price limits apply.

Homebuyer 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Reserved by approved participating lender via NIFA's Lender Online portal at time of 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。