OHFA Dream Loan Program

OHFA Dream Loan Program是面向Statewide，Oklahoma购房者的补助金。 OHFA Dream is OHFA's bond-funded (Mortgage Revenue Bond) first-mortgage program with a 3.5% down payment and closing-cost assistance grant. Because the program is funded by tax-exempt bonds, it has IRS first-time-homebuyer and recapture-tax rules but offers higher income/purchase-price limits than OHFA Gold. The grant equals 3.5% of the first-mortgage amount, never has to be repaid, and is layered with a 30-year fixed FHA, VA, USDA-RD, or conventional (HFA Preferred / HFA Advantage) first mortgage. 3.5% down payment / closing-cost assistance grant (no repayment) layered on a competitive 30-year fixed bond-funded first mortgage. Designed for first-time homebuyers (waived in IRS-designated targeted areas). Higher purchase-price and income limits than the OHFA Gold non-bond TBA. 资金来自Bond和State。

OHFA Dream Loan Program属于补助金，因此无需偿还。 触发还款的情形：None — grant和no repayment required。 该援助以1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 Dream Loan 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：640 minimum middle FICO across all loan products。 须参加购房者教育课程，由HUD-approved homebuyer education provider; OHFA online course via Framework or eHome America accepted提供。 居住要求：Property must be located in Oklahoma and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualified permanent/non-permanent resident alien per first-mortgage product overlays。 Bond-funded MRB program — borrower must meet IRS first-time-homebuyer rule (no ownership of principal residence in last 3 years), waived in IRS-designated targeted areas. Federal recapture tax may apply. Income and purchase-price limits vary by county and target/non-target status.

OHFA Dream Loan Program将家庭收入限制在$150,000。 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。

OHFA Dream Loan Program将房价上限设为$453,100。 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (warrantable)、2-4 unit (per first-mortgage product)和PUD。 新建房屋符合条件。 预制房屋符合条件。

OHFA Dream Loan 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。

OHFA Dream Loan Program服务于在Statewide，Oklahoma购房的购房者。 该项目针对特定区域：IRS-designated targeted areas across Oklahoma allow waiver of first-time-homebuyer rule and offer higher income/purchase-price limits。

OHFA Dream Loan 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 reservation through OHFA's eHousingPlus origination portal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。