Buy in Nye Homeownership Program

Buy in Nye Homeownership Program是面向Nye县，Nevada购房者的可免除贷款，由Nevada Rural Housing (Nevada Rural Housing Authority)管理。 A limited-time, place-based down payment assistance program offered exclusively in Nye County, Nevada, funded in part by Nye County (originally seeded with $400,000 of Nye County American Rescue Plan Act dollars). It pairs a 30-year first mortgage at a below-market interest rate with one of two forgivable DPA options and can be combined with Nevada Rural Housing's Mortgage Credit Certificate. Geared to first-time, rural homebuyers purchasing single-family homes, townhomes, condos, or manufactured homes (including eligible new-construction communities) in Nye County. Two forgivable DPA options: $16,000 or $5,000. Below-market 30-year fixed first mortgage. $5,000 option carries a rate ~1.5% below market; $16,000 option at or slightly below market. May be paired with the Mortgage Credit Certificate (MCC) for ongoing federal tax credit. Exclusive to Nye County buyers. 资金来自Nye County (American Rescue Plan Act funds; Nye County Commission dedicated $400,000) administered by Nevada Rural Housing。

Buy in Nye Homeownership Program提供$5,000至$16,000的援助。 援助档次：Option 1: $16,000 DPA with first-mortgage rate at or slightly below market和Option 2: $5,000 DPA with first-mortgage rate ~1.5% below market。 该项目可与Nevada Rural Housing Mortgage Credit Certificate (MCC)结合使用。 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Nevada Rural Housing (Nevada Rural Housing Authority)决定。

Buy in Nye Homeownership Program是可免除贷款，满足项目条件后余额即被免除。 该援助以Second (subordinate to first mortgage)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。

Buy in Nye Homeownership 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：Defined as not having owned a home within the past three years。 关于信用，该项目说明：Minimum credit score starts at 640。 须参加购房者教育课程。 居住要求：At least one borrower must have a minimum six-month Nevada residency。 At least one borrower must have a minimum six-month Nevada residency; must be a first-time/rural homebuyer (no ownership in past three years); homebuyer education required; purchase must be in Nye County.

Buy in Nye Homeownership Program的收入限制如下：Income limits based on 300% of the Federal Poverty Guidelines (FPG) and household size; for each additional household member add $15,420。 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。

Buy in Nye Homeownership Program可用于Single Family、Townhouse、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Buy in Nye Homeownership Program服务于在Nye县，Nevada购房的购房者。 该项目针对特定区域：Available only for home purchases in Nye County, Nevada。

Buy in Nye Homeownership Program的申请通过Nevada Rural Housing (Nevada Rural Housing Authority)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。