OHFA Down Payment Assistance

OHFA Down Payment Assistance是面向Statewide，Ohio购房者的延期第二贷款。 OHFA Down Payment Assistance is OHFA's standard DPA option for first-time homebuyers (and qualified veterans / targeted area buyers) using the OHFA Your Choice! first mortgage. Borrowers select either 2.5% or 5% of the purchase price as a 0% interest, deferred second mortgage. The DPA carries no monthly payment and is forgiven if the borrower stays in the home for 7 years; otherwise it is repaid upon sale, refinance, or transfer. OHFA Down Payment Assistance provides a 0% interest, deferred second mortgage equal to either 2.5% or 5% of the home's purchase price to help with down payment, closing costs, or pre-paid items. Borrowers choose the tier at application: the 2.5% option carries a slightly lower first-mortgage interest rate, while the 5% option carries a slightly higher first-mortgage rate. The DPA is fully forgiven only if the borrower stays in the home for 7 years (no payments and no interest). otherwise the full balance is due upon sale, refinance, or transfer of title. The DPA must be paired with an OHFA first-mortgage product (Your Choice! or YourChoice). 资金来自Tax-exempt Mortgage Revenue Bonds and other OHFA capital sources。

OHFA Down Payment Assistance按项目规定，提供相当于房价2.5%的援助。 购房者自付部分：No OHFA-imposed minimum borrower contribution; loan-product overlays (FHA/VA/USDA/Conventional) apply。 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管理该项目的机构决定。

OHFA Down Payment Assistance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：Full balance due if home is sold, refinanced (without subordination), title transferred, or no longer occupied as principal residence within 7 years和lien fully forgiven at end of year 7。 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。

OHFA Down Payment Assistance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：First-time-homebuyer (3-year non-ownership) requirement is waived for qualifying veterans and for buyers purchasing in federally designated targeted census tracts (Target Area)。 关于信用，该项目说明：640 minimum FICO for FHA, VA, and USDA-RD loans; 650 minimum FICO for conventional loans (including Fannie Mae HFA Preferred and Freddie Mac HFA Advantage) and for manufactured home loans。 须参加购房者教育课程，由Free Streamlined Homebuyer Education from OHFA online (eHome America-powered) required prior to closing for all borrowers; HUD-approved counseling agencies also accepted提供。 居住要求：Property must be in Ohio and occupied as principal residence within 60 days of closing。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 Must be a first-time homebuyer (no ownership in a principal residence in the last 3 years) UNLESS purchasing in a federal targeted-area census tract OR qualifying as a veteran. Must use an OHFA first-mortgage product (Your Choice!) and meet OHFA income and purchase price limits (which vary by county and household size). Must occupy as principal residence within 60 days of closing. 640 minimum FICO for FHA/VA/USDA; 650 minimum FICO for conventional and manufactured homes. Maximum 50% DTI. Borrower must complete OHFA streamlined homebuyer education prior to closing.

OHFA Down Payment Assistance将家庭收入限制在$179,480。 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。

OHFA Down Payment Assistance将房价上限设为$1.4M。 符合条件的房屋类型包括Single-family detached, condominiums, townhomes, 1-unit owner-occupied、eligible manufactured homes (must be permanently affixed and meet OHFA/agency guidelines)和2-unit allowed only in target areas where existing residence。 新建房屋符合条件。 预制房屋符合条件。

OHFA Down Payment Assistance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、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

OHFA Down Payment Assistance服务于在Statewide，Ohio购房的购房者。 该项目针对特定区域：Federal target areas (qualified census tracts) in Ohio where the FTHB requirement is waived and higher income/purchase-price limits apply. List of target areas published by OHFA at https://www.ohiohome.org/homebuyer/targetarea.aspx。

OHFA Down Payment Assistance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Lender reserves rate, first-mortgage funds, and DPA via OHFA's Lender Online portal on a first-come, first-served basis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。