Homebuyer Equity Leverage Partnership (HELP)

Homebuyer Equity Leverage Partnership (HELP)是面向New Mexico购房者的可免除贷款，由Federal Home Loan Bank of Dallas (through participating member institutions)管理。 HELP is a grant-style down payment and closing cost assistance program from the Federal Home Loan Bank of Dallas, available only through participating FHLB Dallas member financial institutions. For 2026, FHLB Dallas allocated $17 million, with up to $25,000 per household for homes located in New Mexico or Texas. Funds are structured with a five-year homeowner retention requirement under AHP regulations. Up to $25,000 for NM homebuyers. Applied directly to the mortgage at closing. For first-time homebuyers at or below 80% AMI. Forgiven over a 5-year retention period. Pairs with member lender's first mortgage. 资金来自FHLB Dallas Affordable Housing Program (HELP set-aside) - $17 million allocated for 2026。

Homebuyer Equity Leverage Partnership (HELP)提供最高$25,000的援助。 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Federal Home Loan Bank of Dallas (through participating member institutions)决定。

Homebuyer Equity Leverage Partnership (HELP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, refinance, or transfer of the home before the end of the 5-year retention period (subject to AHP retention/recapture rules)。 该援助以Subordinate (retention agreement)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 Equity Leverage Partnership (HELP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Set by participating member institution's underwriting。 须参加购房者教育课程，由Must complete a homebuyer counseling program提供。 居住要求：Property located in New Mexico (NM/TX qualify for the higher $25,000 amount)。 Available only via participating FHLB Dallas member institutions. Homebuyer must contribute $500 of own funds, complete counseling, commit to 5-year retention, and may not receive cash back at closing. GAP: exact recapture formula and manufactured/new construction eligibility set per AHP Implementation Plan. As of June 4, 2026, $693,204.28 remained, with additional offerings June 15 and Sep 8, 2026.

Homebuyer Equity Leverage Partnership (HELP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% of area median income (AMI) as defined by HUD. 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 Equity Leverage Partnership (HELP)可用于Single Family。

Homebuyer Equity Leverage Partnership (HELP)服务于在New Mexico任何地方购房的购房者。

Homebuyer Equity Leverage Partnership (HELP)的申请通过Federal Home Loan Bank of Dallas (through participating member institutions)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First-come, first-served through FHLB Dallas members; 2026 funds offered in rounds (Jan 2, Apr 6, May 4, Jun 15, Sep 8, 2026) until exhausted or Dec 31, 2026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。