Ohio Heroes Down Payment Assistance Program

Ohio Heroes Down Payment Assistance Program是面向Statewide，Ohio购房者的延期第二贷款。 Ohio Heroes is OHFA's workforce DPA / interest-rate-discount program for public-service workers including veterans, active-duty military, reservists, police, firefighters, EMTs/paramedics, teachers/school staff, and healthcare workers. Eligible borrowers receive a discounted first-mortgage interest rate plus 2.5% or 5% of the purchase price as a 0% interest deferred second mortgage, fully forgiven after 7 years. Ohio Heroes recognizes public-service workers - veterans, active-duty military, reservists/National Guard, police officers, firefighters, EMT/paramedics, K-12 teachers and school district administrators/professional staff, and healthcare workers (physicians, nurses, STNAs, etc.) - by offering a discounted first-mortgage interest rate (typically 0.25% below standard OHFA Your Choice! rate) PLUS down payment assistance of either 2.5% or 5% of the home's purchase price. The DPA is structured as a 0% interest, deferred second-mortgage loan that is 100% forgiven after the borrower stays in the home for 7 years. The combination of reduced first-mortgage rate plus DPA produces materially lower lifetime payments for qualifying public-service borrowers. 资金来自Tax-exempt Mortgage Revenue Bonds and other OHFA capital sources。

Ohio Heroes Down Payment Assistance Program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 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。

Ohio Heroes Down Payment Assistance 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：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。

Ohio Heroes 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：First-time-homebuyer (3-year non-ownership) requirement waived for qualifying veterans and for buyers in federal target areas。 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 (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage) and 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; 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。 Borrower must be in a qualifying public-service occupation: veteran (any era, honorably discharged), active-duty military, reservist or National Guard, police officer, firefighter, EMT or paramedic, K-12 teacher/administrator/counselor/school nurse/professional staff at a public/private/parochial school, or healthcare worker (physician, RN, LPN, STNA, etc.). Documentation of occupation required at application (e.g., DD-214, employer letter, license). Must be a first-time homebuyer (waived for veterans and target-area buyers). Maximum income $96,400 - $179,480 depending on county and household size. Maximum purchase price $544,233 - $1,389,032 depending on county. 640 minimum FICO for FHA/VA/USDA, 650 for conventional. 50% maximum DTI. Property must be primary residence within 60 days of closing.

Ohio Heroes Down Payment Assistance Program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。

Ohio Heroes Down Payment Assistance Program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 (permanently affixed)和2-unit allowed only in target areas if 5+ years old。 新建房屋符合条件。 预制房屋符合条件。

Ohio Heroes Down Payment Assistance Program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。

Ohio Heroes Down Payment Assistance Program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。

Ohio Heroes 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。