City of Norman Down Payment Assistance Program

City of Norman Down Payment Assistance Program是面向Norman，Oklahoma购房者的可免除贷款，由Neighborhood Housing Services Oklahoma (NHSOKLA) on behalf of the City of Norman管理。 The City of Norman, with Neighborhood Housing Services Oklahoma, offers up to $14,999 in HOME-funded down payment assistance to low- and moderate-income homebuyers purchasing a primary residence in three of Norman's core neighborhoods. Assistance is a 0% interest five-year forgivable second mortgage, forgiven 1/60th per month. The program launched in April 2026 and is administered by NHSOKLA first-come, first-served. Up to $14,999 down payment and closing cost assistance. 0% interest forgivable second mortgage. Fully forgiven after 5 years. Free HQS property inspection. 资金来自HOME Investment Partnerships Program (federal HUD via City of Norman).

City of Norman Down Payment Assistance Program提供最高$14,999的援助。 购房者自付部分：Buyer must invest a minimum of 1% of the sales price; no cash back at closing. 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Neighborhood Housing Services Oklahoma (NHSOKLA) on behalf of the City of Norman决定。

City of Norman 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：Sale, refinance, or conveyance during the 5-year (plus 60 days) affordability period; forgiven 1/60th per month. 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。

City of Norman Down Payment Assistance 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：Not published; must qualify for first-mortgage financing. 须参加购房者教育课程，由NHSOKLA certified Homebuyer Education Workshop (pre-closing).提供。 居住要求：Occupy as primary residence 5 years (plus 60 days) for full forgiveness. 公民身份或移民身份：Buyer must legally reside in the United States. Geographically restricted to three Norman neighborhoods; verify property eligibility with NHSOKLA. Min 1% buyer investment. DTI front 33.99%/back 42.99%. Confirm current-year income/price limits with NHSOKLA.

City of Norman Down Payment Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 <=80% AMI (Taxable Gross Income method). Cleveland/Logan County limits (eff 06/01/2024): 1 $54,750; 2 $62,550; 3 $70,350; 4 $78,150; 5 $84,450; 6 $90,700; 7 $96,950; 8 $103,200. 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。

City of Norman Down Payment Assistance Program将房价上限设为$190,000。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

City of Norman Down Payment Assistance Program服务于在Norman，Oklahoma购房的购房者。

City of Norman Down Payment Assistance Program的申请通过Neighborhood Housing Services Oklahoma (NHSOKLA) on behalf of the City of Norman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First-come, first-served; funds reserved on a fully executed purchase contract.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。