Home Means Nevada Rural DPA

Home Means Nevada Rural DPA是面向Multiple，Nevada购房者的补助金。 NRHA up to 5% DPA grant (or forgivable second per option chosen) paired with 30-year fixed first mortgage. NO FTHB requirement. 640/680 FICO. 50% DTI. $647,200 purchase-price cap. Available throughout rural Nevada (excludes Clark/Washoe MSA city limits). Home Means Nevada Rural DPA is the Nevada Rural Housing Authority's sister product to Home At Last under NRHA's 'Home Means Nevada' branding. Eligible homebuyers in Nevada's rural and small-urban counties receive up to 5% of the first-mortgage amount as down-payment / closing-cost assistance, structured as a non-repayable grant (or, in certain product options, a forgivable second). The DPA is paired with a 30-year fixed first mortgage (FHA, VA, USDA, or Fannie/Freddie HFA conventional). The first-mortgage rate is set slightly higher than open-market to fund the DPA. NO FIRST-TIME HOMEBUYER REQUIREMENT - repeat buyers and previous homeowners are 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). Maximum acquisition cost $647,200 (HFA Conventional). Funds may be used for down payment, closing costs, and prepaid escrows. 资金来自State和Bond。

Home Means Nevada Rural DPA属于补助金，因此无需偿还。 触发还款的情形：Grant option: non-repayable, no recapture. Forgivable-second option: forgiven over 3-5 years of continuous owner-occupancy和full balance due if borrower sells, refinances, or ceases owner-occupancy within forgiveness period. 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 Means Nevada Rural DPA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. Income limits by household size $45,180 (1p low-cost county) - $158,160 (8p high-cost county) per HUD county schedule. 640 minimum mid-FICO for FHA/VA/USDA; 680 for Fannie/Freddie HFA conventional. 50% maximum DTI. Maximum purchase price $647,200 (HFA Conventional 2025-2026); FHA/VA/USDA county limits apply for government products. NRHA-approved homebuyer education recommended. Property must be located OUTSIDE incorporated city limits of Las Vegas-Henderson-Paradise MSA and Reno-Sparks MSA.

Home Means Nevada Rural DPA将家庭收入限制在$158,160。 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 Means Nevada Rural DPA将房价上限设为$647,200。 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 Means Nevada Rural DPA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 Means Nevada Rural DPA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 Means Nevada Rural DPA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。