Home Is Possible for First-Time Homebuyers

Home Is Possible for First-Time Homebuyers是面向Statewide，Nevada购房者的延期第二贷款。 NHD 4% DPA forgivable second (3-year forgivable, 0% interest, no payments) paired with an NHD bond first mortgage. FTHB required. 640 FICO, 50% DTI. Statewide. Home Is Possible for First-Time Homebuyers (HIP FTHB) is the Nevada Housing Division's flagship DPA program for first-time buyers (defined as not having owned a primary residence in the past three years). Eligible homebuyers receive up to 4% of the first-mortgage amount as down payment / closing-cost assistance, structured as a 3-year forgivable second mortgage at 0% interest with no monthly payments. The DPA is paired with an NHD-issued 30-year fixed first mortgage (FHA, VA, USDA, or Fannie/Freddie HFA conventional). The first-mortgage rate is slightly higher than the open-market rate to fund the DPA. Funds may be used for down payment, closing costs, and prepaid escrows. After 3 years of continuous owner-occupancy, the second mortgage is fully forgiven. 资金来自State和Bond。

Home Is Possible for First-Time Homebuyers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：Full balance due if borrower sells, refinances, transfers title, or ceases owner-occupancy within the 3-year forgiveness period. Fully forgiven after 3 years of continuous owner-occupancy. 该援助以2nd Lien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 Is Possible for First-Time Homebuyers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：Federally designated targeted census tracts and honorably discharged veterans waive the first-time-homebuyer requirement. 关于信用，该项目说明：640 minimum representative mid-FICO across all NHD HIP FTHB products (FHA/VA/USDA/Conventional). 须参加购房者教育课程，由NHD-approved homebuyer education provider; HUD-approved counseling agencies, Framework Homeownership, eHome America, and Money Management International (MMI) are accepted.提供。 居住要求：Property must be located in Nevada and 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. First-time homebuyer required (cannot have owned a principal residence in the past 3 years; waived in federally targeted census tracts and for honorably discharged veterans). Owner-occupied principal residence required. Income limits by household size (1-2p $94,800 / 3+p $108,420 non-targeted; up to $152,320 in targeted areas). Acquisition price limits $544,232 (non-targeted) / $746,181 (targeted). 640 minimum mid-FICO. 50% maximum DTI. NHD-approved homebuyer education required. Must originate first mortgage with NHD-approved participating lender. Subject to IRS Section 143 federal recapture tax on sale within 9 years.

Home Is Possible for First-Time Homebuyers将家庭收入限制在$152,320。 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 Is Possible for First-Time Homebuyers将房价上限设为$746,181。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (FHA only)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 Is Possible for First-Time Homebuyers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 Is Possible for First-Time Homebuyers服务于在Statewide，Nevada购房的购房者。 该项目针对特定区域：Federally designated IRS targeted census tracts (per Section 143) and Qualified Census Tracts where NHD waives the FTHB requirement and applies higher income / purchase price limits.

Home Is Possible for First-Time Homebuyers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 NHD 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。