Launchpad (including Launchpad for First-Time Homebuyers)

Launchpad (including Launchpad for First-Time Homebuyers)是面向Nevada购房者的延期第二贷款，由Nevada Rural Housing (NRH)管理。 Launchpad, introduced by Nevada Rural Housing in 2024, delivers a below-market first-mortgage rate plus down payment assistance for rural Nevada homebuyers. Standard Launchpad offers 3% or 5% assistance (no first-time-buyer requirement); Launchpad for First-Time Homebuyers offers 2% or 4% assistance for buyers who have not owned a primary residence in three years (waived for Veterans and targeted-area purchases). Assistance is a 0% interest, 30-year deferred, non-forgivable second mortgage repayable on sale, refinance, non-occupancy, or at maturity. Available in all 15 rural counties plus the rural parts of Clark and Washoe. Below-market first-mortgage rate. 2%, 3%, 4%, or 5% down payment assistance. 0% interest, no monthly payments on the second mortgage. First-time-buyer requirement waived for Veterans and targeted-area buyers. Available across rural Nevada including rural Clark and Washoe. 资金来自Nevada Rural Housing homeownership program funds (remains open until funding fully obligated).

Launchpad (including Launchpad for First-Time Homebuyers)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：30-year deferred second mortgage with no interest; never forgiven. Repayable if the borrower sells, refinances, ceases to live in the property, or at the end of the 30-year term. 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。

Launchpad (including Launchpad for First-Time Homebuyers)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：Minimum 640 (660 for manufactured homes). 须参加购房者教育课程，由NRH-approved homebuyer education (Homebuyer 101) - free.提供。 居住要求：No current Nevada residency requirement; home must be occupied as primary residence within 60 days of closing. Property must be in NRH's rural jurisdiction (population under 150,000); use HALMap.org to confirm address eligibility. Conventional loans are limited to 80% AMI and may carry lower income limits.

Launchpad (including Launchpad for First-Time Homebuyers)将家庭收入限制在$117,300。 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。

Launchpad (including Launchpad for First-Time Homebuyers)的房价上限如下：Launchpad: no program purchase-price limit (loan-agency limits apply). Launchpad for First-Time Homebuyers non-targeted: Carson City $596,945; Douglas $746,181; Storey $656,640; Washoe $656,640; all other counties $544,232. Targeted areas higher (up to $802,560 in Washoe). 符合条件的房屋类型包括Single Family、2-4 Unit、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Launchpad (including Launchpad for First-Time Homebuyers)服务于在Nevada任何地方购房的购房者。 该项目针对特定区域：HUD Qualified Census Tracts (targeted areas) for Launchpad for First-Time Homebuyers allow higher purchase price and income limits and waive the first-time homebuyer requirement. Tracts include Clark (57.04, 57.03, 60.01, 22.01, 22.07, 50.10, 78.01); Lyon (9602.06, 9609.01); Nye (9604.11, 9604.13, 9604.14); Washoe (19.01, 19.03, 27.03).

Launchpad (including Launchpad for First-Time Homebuyers)的申请通过Nevada Rural Housing (NRH)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 (Nevada Rural Housing Authority); reserved/locked by 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。