Rural Rocks $20K

Rural Rocks $20K是面向Nevada购房者的可免除贷款，由Nevada Rural Housing (NRH)管理。 Rural Rocks $20K from Nevada Rural Housing provides up to $20,000 toward down payment and closing costs for Nevada's essential workers. At least one borrower must work in a qualifying essential-worker industry and have been a Nevada resident for six months or more; first-time and repeat buyers qualify. The assistance is a 0% interest, 30-year forgivable second mortgage (forgiven at maturity, repayable if the first mortgage is sold/refinanced/prepaid early) and can be used as standalone assistance or combined with a permanent interest-rate reduction. Up to $20,000 toward down payment/closing costs. 0% interest, no payments, forgivable at 30-year maturity. Option to combine with a permanent rate reduction. First-time and repeat buyers eligible. Low 640 minimum credit score. 资金来自Nevada Rural Housing homeownership program funds (limited; program remains open until funds fully obligated).

Rural Rocks $20K提供最高$20,000的援助。 援助档次：$20,000 standalone DPA, OR $20,000 with a 2% permanent interest-rate discount (2% of the assistance pays discount points; remainder to down payment/closing/principal). 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 Rural Housing (NRH)决定。

Rural Rocks $20K在30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：30-year forgivable second mortgage, forgiven at maturity (not prorated). If the borrower sells, refinances, or prepays the first mortgage before the end of the 30-year term, the original DPA amount is repayable to Nevada Rural Housing. 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。

Rural Rocks $20K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：At least one borrower must be a Nevada resident for a minimum of 6 months prior to reservation. Borrowers who previously used any NRH homeownership program are ineligible. Funds are limited and the program remains open only until fully obligated. Must meet Ginnie Mae/Fannie Mae/Freddie Mac underwriting guidelines.

Rural Rocks $20K将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Household income must not exceed 150% AMI; single limit per county (all household sizes): Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. 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。

Rural Rocks $20K将房价上限设为$806,500。 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。

Rural Rocks $20K在其服务群体中提到了教育工作者、执法人员、消防员和医护人员。 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。

Rural Rocks $20K服务于在Nevada任何地方购房的购房者。

Rural Rocks $20K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。