City of Las Vegas HOME Homebuyer Assistance

City of Las Vegas HOME Homebuyer Assistance是面向Las Vegas，Nevada购房者的延期第二贷款，由City of Las Vegas (Community Services Department)管理。 The City of Las Vegas uses federal HOME Investment Partnerships funds to provide down payment and closing cost assistance to low-income, first-time homebuyers, delivered through program sub-recipients. Assistance is structured as a deferred loan subject to HUD recapture provisions, with a HUD affordability/forgiveness period scaled to the amount of HOME funds provided (5, 10, or 15 years). Households must be at or below 80% of Area Median Income and the home must be the buyer's principal residence. Down payment and closing cost assistance from federal HOME funds. Deferred loan with no monthly payments. Forgiveness tied to occupancy over a 5-, 10-, or 15-year affordability period. Targets low-income first-time buyers in the City of Las Vegas. 资金来自Federal HOME Investment Partnerships Program (HUD) funds allocated to the City of Las Vegas; administered through sub-recipients.

City of Las Vegas HOME Homebuyer Assistance在15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：Deferred loan subject to recapture provisions under 24 CFR 92.254. Forgiveness is tied to the length of time the homebuyer occupies the home during the affordability period; the affordability period is based on the amount of HOME funds provided: under $15,000 = 5 years; $15,000-$40,000 = 10 years; over $40,000 = 15 years. If the home is sold during the affordability period, recaptured HOME funds are due (limited to net proceeds). 该援助以Second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。

City of Las Vegas HOME Homebuyer Assistance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：First-time homebuyer = an individual (and spouse) who have not owned a home during the prior three-year period (standard HUD HOME definition). 关于信用，该项目说明：Could not confirm a minimum credit score; set by individual sub-recipient program. 须参加购房者教育课程，由Homebuyer counseling required (sub-recipients must provide tenant/homebuyer counseling); specific providers set by program.提供。 Program is administered through HUD HOME sub-recipients rather than a single consumer-facing product, so the exact per-buyer assistance amount, income-limit dollar figures, maximum purchase price, and credit-score requirements are set per sub-recipient/Consolidated Plan and were NOT published in the HOME Policy & Procedures manual.

City of Las Vegas HOME Homebuyer Assistance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。 Beneficiaries must be low-income households (at or below 80% Area Median Income per HUD HOME program rules). Specific dollar limits by household size follow current HUD income limits for the Las Vegas area and were not published in the manual. 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。

City of Las Vegas HOME Homebuyer Assistance的房价上限如下：Purchase price/value must not exceed the HUD HOME maximum (95% of area median purchase price); specific dollar amount not stated in the manual. 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

City of Las Vegas HOME Homebuyer Assistance服务于在Las Vegas，Nevada购房的购房者。

City of Las Vegas HOME Homebuyer Assistance的申请通过City of Las Vegas (Community Services Department)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Administered through City of Las Vegas HOME sub-recipients/program partners; no central public reservation portal published.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。