The Culinary & Bartenders Housing Partnership Down Payment Assistance program

The Culinary & Bartenders Housing Partnership Down Payment Assistance program是面向Las Vegas，Nevada购房者的延期第二贷款。 0% deferred soft-second DPA up to $20,000 with 5-year forgiveness for Culinary Local 226 / Bartenders Local 165 union members buying in Clark County. 640 FICO, 45% DTI, FTHB required, $1,000 borrower contribution. The Culinary & Bartenders Housing Partnership Down Payment Assistance program is administered by Nevada Partners, Inc. (NPI) in partnership with Culinary Workers Union Local 226 and Bartenders Union Local 165. Eligible union-member homebuyers in Clark County receive up to $20,000 in down-payment / closing-cost assistance as a 0% deferred soft second mortgage with no monthly payments. The subordinate lien is forgiven over 5 years of continuous owner-occupancy (1/60th per month) or due in full upon sale, refinance, transfer of title, or non-owner-occupancy within the retention period. Must be paired with a first mortgage from a participating lender. Funds may be used for down payment, closing costs, and prepaid escrows. 资金来自Local和Other。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program在5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：Forgiven 1/60th per month over 5 years of continuous owner-occupancy. Full unforgiven balance due upon sale, refinance with cash-out, transfer of title, or non-owner-occupancy within the 5-year retention period. 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。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program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 targeted census tracts may waive the FTHB requirement on a case-by-case basis (subject to NPI program review). 关于信用，该项目说明：640 minimum mid-FICO across all loan products. 须参加购房者教育课程，由Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted.提供。 居住要求：Property must be located in Clark County, Nevada (Las Vegas, North Las Vegas, Henderson, Boulder City, or unincorporated Clark County) 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. RESTRICTED TO MEMBERS IN GOOD STANDING OF CULINARY WORKERS UNION LOCAL 226 OR BARTENDERS UNION LOCAL 165 (and certain Culinary Health Fund participants). Hospitality / casino / food-service industry workers only. Must be a first-time homebuyer (no principal residence in prior 3 years). Income limits by household size 80% AMI Clark County: $51,700 (1p) to $100,550 (8p) per HUD 2025 limits. 640 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution from own funds. NPI HUD-approved homebuyer education + 1:1 counseling required. Property must be in Clark County (Las Vegas / North Las Vegas / Henderson / Boulder City).

The Culinary & Bartenders Housing Partnership Down Payment Assistance program将家庭收入限制在$100,550。 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program的房价上限如下：Generally limited to FHA county loan limit for Clark County (~$524,225 in 2025) when paired with FHA first mortgage; conventional follows agency conforming limits. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays)和manufactured home on permanent foundation. 新建房屋符合条件。 预制房屋符合条件。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program在其服务群体中提到了退伍军人。 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。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program服务于在Las Vegas，Nevada购房的购房者。

The Culinary & Bartenders Housing Partnership Down Payment Assistance program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Borrower applies through Nevada Partners housing counseling intake; reservation issued upon program eligibility and union-membership verification. Funds disbursed at closing through participating lender.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。