OHFA Gold Loan Program

OHFA Gold Loan Program是面向Statewide，Oklahoma购房者的补助金。 OHFA Gold is OHFA's non-bond TBA (To Be Announced MBS) first-mortgage program offering a 3.5% down payment and closing-cost assistance grant. Because it is not bond-funded, there is no IRS first-time-homebuyer rule and no federal recapture tax. 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. Gold is OHFA's primary repeat-buyer program. 3.5% down payment / closing-cost assistance grant on a 30-year fixed-rate non-bond TBA first mortgage. No first-time-homebuyer requirement and no federal recapture tax. Repeat buyers, move-up buyers, and homeowners selling and re-buying are eligible. 资金来自State和TBA。

OHFA Gold 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 Gold Loan 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：Not required — Gold has no first-time-homebuyer rule。 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; Framework or eHome America online course 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。 Non-bond TBA program — no first-time-homebuyer requirement, no federal recapture tax. Income limits set by OHFA program (lower than bond Dream limits in many counties). Borrower must meet first-mortgage product underwriting (FHA/VA/USDA/Fannie/Freddie HFA program).

OHFA Gold Loan Program将家庭收入限制在$136,780。 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 Gold Loan Program将房价上限设为$427,198。 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 Gold 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 Gold Loan Program服务于在Statewide，Oklahoma购房的购房者。

OHFA Gold 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。