Home First

Home First是面向Nevada购房者的可免除贷款，由Nevada Housing Division (NHD)管理。 Home First is a Nevada Housing Division statewide program offering first-time homebuyers a flat $15,000 in down payment assistance (down payment only) as a 0% interest second mortgage forgivable after 3 years of continued owner-occupancy. It pairs with a 30-year fixed-rate first mortgage and allows purchase prices up to $570,000. Structurally distinct from NHD's 'Home Is Possible for First-Time Homebuyers' (a 4% percentage-based, 7-year-forgivable DPA). $15,000 flat down payment assistance. 0% interest, no monthly payments. Forgivable after 3 years. 30-year fixed first mortgage. Purchase price up to $570,000. Statewide. 资金来自Nevada Housing Division (state housing program)。

Home First提供最高$15,000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Nevada Housing Division (NHD)决定。

Home First在3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, transfer, refinance, or cessation of owner-occupancy before the end of the 3-year forgiveness period; prorated/forgivable over 3 years if borrower remains in the home。 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。

Home First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 defined as not having owned a home in the last 3 years。 关于信用，该项目说明：Minimum credit score 640 (680 for manufactured homes)。 须参加购房者教育课程。 居住要求：Minimum 6 months Nevada residency。 /FUNDING-STATUS NOTE — VERIFY BEFORE PUBLISH: the live NHD site (d9.homeispossiblenv.org) markets Home First as active, but an eHousingPlus PDF dated 05/19/24 states the program 'ended as of 03/19/24 ... no new reservations / completely funded', and the 02/12/25 HiP Administrator's Guidelines removed all Home First references. Likely relaunched/refunded but no primary press release confirming a relaunch date was located. Confirm current funding/reservation availability with a participating NHD lender or NHD (HIP@housing.nv.gov / 800-227-4960) before borrower-facing publish. Eligibility: first-time homebuyer (no ownership in last 3 years); 6-month NV residency; 640 min credit (680 manufactured); homebuyer education required; income within 300% FPL / 80% AMI limits; assistance cannot cover closing costs.

Home First将家庭收入限制在$93,600。 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 First将房价上限设为$570,000。 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。

Home First服务于在Nevada任何地方购房的购房者。 该项目针对特定区域：NHD/HUD-approved targeted areas (Qualified Census Tracts) generally allow higher income/price limits; confirm applicability to Home First with lender。

Home First的申请通过Nevada Housing Division (NHD)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eHousingPlus eHPortal (rate-lock/reservation via participating lenders)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。