American Dream Downpayment Initiative

American Dream Downpayment Initiative是面向Columbus，Ohio购房者的延期第二贷款。 Columbus's federal HUD ADDI-funded down payment assistance program for first-time homebuyers. Up to $5,000 forgivable over 5 years. Up to $5,000 in down payment and closing cost assistance for first-time homebuyers purchasing within City of Columbus limits. Structured as a 0% interest, 5-year forgivable second mortgage (20% forgiven per year of owner-occupancy). HUD ADDI/HOME federal pass-through administered by City of Columbus Department of Development. 资金来自Federal、HUD、HOME和ADDI。

American Dream Downpayment Initiative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：Pro rata recapture if owner sells, refinances, or vacates within 5-year affordability 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。

American Dream Downpayment Initiative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：Displaced homemaker/single parent waiver per HUD。 关于信用，该项目说明：640 minimum FICO recommended; lender overlays apply。 须参加购房者教育课程，由HUD-approved housing counseling agencies in Columbus including Homeport, Affordable Housing Trust for Columbus and Franklin County, and other HUD-certified counselors. 8-hour pre-purchase education required.提供。 居住要求：Property within City of Columbus, OH corporate limits, occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent resident。 First-time homebuyer (no ownership past 3 years). Household income at or below 80% Columbus MSA AMI. Property must be within Columbus city limits as primary residence. Minimum $1,000 borrower contribution. HUD-approved homebuyer education required. Property must pass HUD HOME inspection.

American Dream Downpayment Initiative将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Income at or below 80% Columbus MSA AMI per HUD HOME limits ($86,880-$163,680 by household size for tiered offer). 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。

American Dream Downpayment Initiative的房价上限如下：Per HUD HOME 95% area median purchase price for Franklin County。 符合条件的房屋类型包括Single-family detached, condo, townhouse, 1-2 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

American Dream Downpayment Initiative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。

American Dream Downpayment Initiative服务于在Columbus，Ohio购房的购房者。 该项目针对特定区域：Columbus Neighborhood Revitalization Strategy Areas may receive enhanced assistance。

American Dream Downpayment Initiative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Submit application to City of Columbus Department of Development; first-come first-served per annual allocation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。