Home At Last

Home At Last是面向Multiple，Nevada购房者的补助金。 NRHA 5% non-repayable grant paired with 30-year fixed first mortgage. NO FTHB requirement. 640/680 FICO. 50% DTI. $165K income cap (HFA Conventional). Available throughout rural Nevada (excludes Clark/Washoe MSA city limits). Home At Last is the Nevada Rural Housing Authority's (NRHA) flagship down payment assistance program. Eligible homebuyers in Nevada's rural and small-urban counties receive a 5% non-repayable grant (NOT a forgivable second. truly non-repayable from day one) of the first-mortgage amount. The grant may be used for down payment, closing costs, and prepaid escrows. The DPA is paired with a 30-year fixed first mortgage (FHA, VA, USDA Rural Development, or Fannie/Freddie HFA conventional) at a slightly higher rate to fund the grant. NO FIRST-TIME HOMEBUYER REQUIREMENT - repeat buyers and previous homeowners eligible. Available statewide EXCEPT inside city limits of incorporated communities within the Las Vegas-Henderson-Paradise MSA (Clark County) and the Reno-Sparks MSA (Washoe County). unincorporated portions of Clark and Washoe counties remain eligible. 资金来自State和Bond。

Home At Last属于补助金，因此无需偿还。 触发还款的情形：Non-repayable grant和no repayment required regardless of owner-occupancy duration. Borrower may sell, refinance, or move at any time without recapture. 该援助以Grant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。

Home At Last面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum mid-FICO for FHA/VA/USDA; 680 minimum for Fannie/Freddie HFA Preferred / HFA Advantage conventional. 居住要求：Property must be located in Nevada outside incorporated city limits of the Las Vegas-Henderson-Paradise MSA and the Reno-Sparks MSA; serve as borrower's principal residence. 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. NO first-time homebuyer requirement (repeat buyers eligible). Owner-occupied principal residence required. Single statewide household income cap of $165,000 (HFA Conventional); lower limits for FHA/VA/USDA per investor overlays (typically $67,120-$100,150 baseline by household size). 640 minimum mid-FICO for FHA/VA/USDA; 680 for Fannie/Freddie HFA conventional. 50% maximum DTI. NRHA-approved homebuyer education recommended (required for first-time buyers). Property must be located OUTSIDE incorporated city limits of Las Vegas-Henderson-Paradise MSA and Reno-Sparks MSA; unincorporated portions of Clark and Washoe counties + all 15 other Nevada counties eligible.

Home At Last将家庭收入限制在$165,000。 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。

Home At Last的房价上限如下：No NRHA-imposed purchase-price cap on HFA Conventional; FHA/VA/USDA county loan limits apply (typically $524,225-$546,250 in rural NV). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD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。

Home At Last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。

Home At Last服务于在Multiple，Nevada购房的购房者。 该项目针对特定区域：Rural Nevada counties + unincorporated Clark and Washoe county areas. Excludes city limits of Las Vegas-Henderson-Paradise MSA and Reno-Sparks MSA.

Home At Last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 NRHA 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。