Worker Advantage Program

Worker Advantage Program是面向Nevada购房者的延期第二贷款，由Nevada Housing Division (NHD)管理。 The Worker Advantage Program, created under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025), provides $20,000 in down payment assistance to Nevada's essential workers in healthcare, education, public safety, and construction. The assistance is a no-interest, no-payment, non-forgivable 30-year second mortgage that can be applied to down payment/closing costs or used to buy down the interest rate by 2% or 4%. No first-time-buyer requirement, but applicants cannot have previously used Home Is Possible and cannot own other property. $20,000 in down payment assistance. 0% interest, no monthly payments. May be used for down payment/closing costs OR a permanent 2%/4% rate buydown. No first-time homebuyer requirement. Statewide availability. Available to repeat buyers in essential-worker professions. 资金来自State funding under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025 Legislative Session); $18,000,000 total allocation to assist ~900 households.

Worker Advantage Program提供最高$20,000的援助。 援助档次：Option 1: Apply full $20,000 toward down payment/closing costs. Option 2: Pay 2% or 4% discount points to permanently buy down the interest rate, with any remaining funds toward down payment/closing costs. 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 Housing Division (NHD)决定。

Worker Advantage Program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：Repayable in full upon sale, transfer, satisfaction of the first mortgage, refinancing, or when the borrower ceases to occupy the property as primary residence; otherwise deferred for the 30-year term (never forgiven). 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。

Worker Advantage Program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 FICO (mid score); 680 for manufactured homes. Per NHD rate/offerings chart; follow Agency/GSE if higher. 须参加购房者教育课程，由Each borrower (anyone on note/deed, including NPS on title) must complete approved homebuyer education: NHD/Freddie Mac CreditSmart, Community Services of Nevada, Chicanos Por La Causa, Fannie Mae HomeView, Framework, Money Management International, Neighborhood Housing Services of Southern Nevada, or other HUD-approved agencies.提供。 居住要求：At least one occupying borrower must have been a Nevada resident for at least 6 months prior to loan reservation date (verified via NV Driver's License/State ID). 公民身份或移民身份：Follow Agency or GSE citizenship requirements. Borrower limited to using the program one time. Buyer must occupy within 60 days of closing. Borrower and spouse may not own other property. Previous Home Is Possible users ineligible. A Fraud Report (with 3-year ownership history) is required for all borrowers and a Real Property Search is required for non-purchasing spouses. Lender must obtain a 'Clear to Close' letter from NHD at least 5 business days before closing.

Worker Advantage Program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 up to 150% AMI; single limit applies to all household sizes per county: 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. Qualifying income includes borrowers, spouses, and all household members 18+ (related or unrelated). 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。

Worker Advantage Program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。

Worker Advantage Program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。

Worker Advantage Program服务于在Nevada任何地方购房的购房者。

Worker Advantage Program的申请通过Nevada Housing Division (NHD)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 eHPortal (first-come, first-served revolving pool); reserved through Home Is Possible certified 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。