本页面由机器翻译。英文版本为原文。
Los Alamos County Homebuyer Assistance Program (HAP)
Los Alamos County Homebuyer Assistance Program (HAP)是面向Los Alamos，New Mexico购房者的延期第二贷款，由Incorporated County of Los Alamos (administered by The Housing Trust)管理。
该项目要求
- 房屋作为主要住所自住
- 最低信用分数620
- 完成购房者教育课程，由The Housing Trust (HUD-certified counseling); includes a two-hour in-person training session in Los Alamos提供
- 居住要求：Must purchase a home located within Los Alamos County
- Must purchase within Los Alamos County; credit score over 620; DTI of 45%; minimum buyer contribution of $1,500; complete homebuyer education including a two-hour in-person session. GAP: numeric income limit (%AMI), max purchase price, lien position, and first-time-buyer requirement not confirmed on the official page and are omitted.
- 位于Los Alamos County的房屋
不适用于
- Los Alamos County以外的房屋
这些是项目自己公布的规则，并非对任何个人的决定——实际谁符合条件由管理机构和贷款机构决定。
适用地区
Los Alamos County的房屋Los Alamos County的房屋
- 62.3% 独栋独栋住宅
- 9.5% 联排联排别墅
- 6.8% 2–4个单元2–4个单元
- 16.3% 5+个单元公寓和共管公寓楼（5+个单元）
- 5.1% 活动房屋及其他活动房屋及其他
$495,800
Los Alamos County房屋价值中位数
62.1%
建于1980年之前
美国人口普查局（U.S. Census Bureau），ACS 2024 5年期。 进一步了解在Los Alamos County购房
如何申请
如何申请三个步骤，按此顺序
参加购房者教育课程
项目要求，由The Housing Trust (HUD-certified counseling); includes a two-hour in-person training session in Los Alamos提供。
联系Incorporated County of Los Alamos (administered by The Housing Trust)预留资金
资金向提供方预留，视资金情况而定。
与办理该项目的贷款机构合作
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。
关于本项目的问题
Los Alamos County Homebuyer Assistance Program (HAP)是什么？
Los Alamos County Homebuyer Assistance Program (HAP)是面向Los Alamos，New Mexico购房者的延期第二贷款，由Incorporated County of Los Alamos (administered by The Housing Trust)管理。 The Los Alamos County Homebuyer Assistance Program (HAP) helps income-qualified households buy a home in Los Alamos County by providing down payment assistance as a county-funded subsidy/deferred loan. The loan requires no monthly payments and is repaid only when the home is sold, vacated, or title is transferred. Assistance is a maximum of $25,000 (reported as up to 10% of purchase price) at a zero to two percent rate. The County partners with The Housing Trust, which also provides homebuyer education and HUD-certified counseling. Up to $25,000 in down payment assistance. No monthly payments (deferred). Low 0-2% rate. HUD-certified counseling and homebuyer education. County-funded. 资金来自Los Alamos County funds (county-funded subsidy loan)。
提供多少援助？
Los Alamos County Homebuyer Assistance Program (HAP)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Incorporated County of Los Alamos (administered by The Housing Trust)决定。
需要偿还吗？
Los Alamos County Homebuyer Assistance Program (HAP)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：Repaid only when the home is sold, vacated, or title is otherwise transferred。 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。
谁符合条件？
Los Alamos County Homebuyer Assistance Program (HAP)面向将房屋作为主要住所自住的购房者。 该项目列出的最低信用分数为620。 须参加购房者教育课程，由The Housing Trust (HUD-certified counseling); includes a two-hour in-person training session in Los Alamos提供。 居住要求：Must purchase a home located within Los Alamos County。 Must purchase within Los Alamos County; credit score over 620; DTI of 45%; minimum buyer contribution of $1,500; complete homebuyer education including a two-hour in-person session. GAP: numeric income limit (%AMI), max purchase price, lien position, and first-time-buyer requirement not confirmed on the official page and are omitted.
适用于哪些地区？
Los Alamos County Homebuyer Assistance Program (HAP)服务于在Los Alamos，New Mexico购房的购房者。
如何申请？
Los Alamos County Homebuyer Assistance Program (HAP)的申请通过Incorporated County of Los Alamos (administered by The Housing Trust)办理，该机构在其网站上公布现行条款和申请步骤。 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。
同样面向Los Alamos County购房者面向Los Alamos County购房者的其他项目
两个项目能否结合使用，由各机构决定。申请前请先询问。
Los Alamos County的全部72个项目项目条款由Incorporated County of Los Alamos (administered by The Housing Trust)设定，并可能变化；申请前请在官方网站上确认。