HOAP Down Payment Assistance

HOAP Down Payment Assistance是面向Ontario，Oregon购房者的补助金。 Community in Action's HOAP (Home Ownership Assistance Program) provides forgivable down payment and closing cost grants to low-income first-time homebuyers in eastern Oregon (Malheur, Harney, Baker, Grant counties). The program is funded primarily through state and federal sources. Home Ownership Assistance Program (HOAP) provides forgivable down payment and closing cost grants to low-income first-time homebuyers in eastern Oregon. Forgiven over an affordability period if owner-occupancy maintained. 资金来自State、HOME和CDBG。

HOAP Down Payment Assistance属于补助金，因此无需偿还。 触发还款的情形：Sale, transfer, refinance without subordination, or loss of owner-occupancy before forgiveness period concludes。 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。

HOAP Down Payment Assistance面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Typically 640 minimum FICO。 须参加购房者教育课程，由Community in Action Homebuyer Education / HUD-approved counseling提供。 居住要求：Property must be in Community in Action service area。 公民身份或移民身份：U.S. citizen or qualified non-citizen。 Pre-purchase homebuyer education required. Property must be located in Community in Action's eastern Oregon service area (Malheur, Harney, Baker, Grant). Income limits at 80% AMI for Malheur County: 1-person $29,050; 8-person $51,500. Maintain owner-occupancy for forgiveness term.

HOAP Down Payment Assistance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% AMI for service-area counties: 1-person ~$29,050; 8-person ~$51,500 (Malheur, 2025). 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。

HOAP Down Payment Assistance的房价上限如下：Set per program guidelines / aligned with HOME 95% limits。 符合条件的房屋类型包括1-unit single-family, condominium, townhome, PUD, manufactured home on owned land。 新建房屋符合条件。 预制房屋符合条件。

HOAP Down Payment Assistance在其服务群体中提到了退伍军人。 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。

HOAP Down Payment Assistance服务于在Ontario，Oregon购房的购房者。

HOAP Down Payment Assistance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 Community in Action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。