Down Payment Assistance Loan

Down Payment Assistance Loan是面向Portland，Oregon购房者的延期第二贷款。 Portland Housing Bureau's Down Payment Assistance Loan provides up to $100,000 as a 0% interest, deferred-payment second mortgage to first-time homebuyers purchasing a home within the City of Portland. Administered through partner agencies (Portland Housing Center, Hacienda CDC, NAYA, African American Alliance for Homeownership, Proud Ground). The N/NE Preference Policy gives priority to applicants with generational ties to displaced North/Northeast Portland communities. Up to $100,000 in down payment and closing cost assistance as a 0% interest deferred-payment second mortgage. Loan is repaid upon sale, refinance, transfer, or when the home is no longer owner-occupied. Funds prioritized for buyers in N/NE Portland Preference Policy areas. 资金来自City、TIF和HOME。

Down Payment Assistance Loan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：Sale, transfer, refinance (without subordination), or property no longer owner-occupied和full principal due (deferred)。 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。

Down Payment Assistance Loan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：N/NE Preference Policy applicants may be exempt from first-time-homebuyer requirement。 关于信用，该项目说明：Typically 640 minimum FICO; some partner agencies may accept 620。 须参加购房者教育课程，由HUD-approved housing counseling agencies including Portland Housing Center, Hacienda CDC, Native American Youth and Family Center (NAYA), African American Alliance for Homeownership, Proud Ground提供。 居住要求：Property must be located within City of Portland limits。 公民身份或移民身份：U.S. citizen or qualified non-citizen。 Must work with a PHB-approved homeownership counseling/education agency (the 'partner agency') that delivers DPA. Pre-purchase homebuyer education required. Property must be located within Portland city limits. N/NE Preference Policy applicants receive priority. Borrower contribution and reserves requirements apply per partner agency.

Down Payment Assistance Loan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。 Household income at or below 80% Area Median Income (AMI) for Portland-Vancouver-Hillsboro MSA. 2025-2026 80% AMI: 1-person $63,650; 2-person $72,750; 3-person $81,850; 4-person $90,900; 5-person $98,200. Higher tier for some partner-agency programs allows up to 100% AMI ($163,812 for larger households). 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。

Down Payment Assistance Loan的房价上限如下：Set by partner agency / PHB underwriting; typically aligned with FHA loan limits or Portland market value。 符合条件的房屋类型包括1-unit single-family, condominium, townhome, attached PUD和some partner agencies allow 2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment Assistance Loan服务于在Portland，Oregon购房的购房者。 该项目针对特定区域：N/NE Portland Preference Policy area (census tracts in N/NE Portland with history of displacement)。

Down Payment Assistance Loan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Application through PHB partner agency; funds reserved upon counseling completion and pre-approval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。