NCRA Homebuyer Assistance

NCRA Homebuyer Assistance是面向North Clackamas Revitalization Area，Oregon购房者的延期第二贷款。 Clackamas County's NCRA Homebuyer Assistance provides up to $50,000 in down payment and closing cost help as a 0% interest deferred second mortgage to first-time homebuyers purchasing within the North Clackamas Revitalization Area urban renewal boundary. Funded through tax increment financing from the NCRA URA. North Clackamas Revitalization Area (NCRA) Homebuyer Assistance provides up to $50,000 as a 0% interest deferred-payment second mortgage for down payment and closing costs. Property must be located within the NCRA boundary in unincorporated North Clackamas County (Oak Lodge, Jennings Lodge, Milwaukie urban area, etc.). 资金来自County、TIF和URA。

NCRA Homebuyer Assistance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 loss of owner-occupancy。 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。

NCRA Homebuyer 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HUD-approved housing counseling agencies (Proud Ground, Portland Housing Center, etc.)提供。 居住要求：Property must be located within North Clackamas Revitalization Area boundary。 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 within the North Clackamas Revitalization Area (NCRA) urban renewal boundary. Income limit 80% AMI ($67,700 for 1-person; $112,200 for 8-person). Maximum purchase price $335,000.

NCRA Homebuyer 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 Portland-Vancouver-Hillsboro MSA: 1-person $67,700; 4-person $96,650; 8-person $112,200 (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。

NCRA Homebuyer Assistance将房价上限设为$335,000。 符合条件的房屋类型包括1-unit single-family, condominium, townhome, PUD。 新建房屋符合条件。 预制房屋不符合条件。

NCRA Homebuyer Assistance服务于在North Clackamas Revitalization Area，Oregon购房的购房者。 该项目针对特定区域：Property must be located within the North Clackamas Revitalization Area urban renewal boundary。

NCRA Homebuyer 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 Clackamas County Community Development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。