NeighborImpact First Time Homebuyer Down Payment Assistance Program

NeighborImpact First Time Homebuyer Down Payment Assistance Program是面向Bend|Redmond|Prineville|Madras|Sisters|La Pine，Oregon购房者的延期第二贷款。 NeighborImpact's First Time Homebuyer Down Payment Assistance Program provides 0% interest deferred-payment second mortgages for down payment and closing costs to first-time homebuyers in Deschutes, Crook, and Jefferson counties. NeighborImpact is the regional Community Action Agency for Central Oregon. Down payment and closing cost assistance for first-time homebuyers in Central Oregon (Deschutes, Crook, and Jefferson counties). Provided as a 0% interest deferred-payment second mortgage repayable upon sale, refinance, or loss of owner-occupancy. 资金来自HOME、CDBG和State。

NeighborImpact First Time Homebuyer Down Payment Assistance Program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。

NeighborImpact First Time Homebuyer Down Payment Assistance Program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NeighborImpact Homebuyer Education (HUD-approved)提供。 居住要求：Property must be in Deschutes, Crook, or Jefferson County, OR。 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 Deschutes, Crook, or Jefferson County. Income limits at 80% AMI. Borrower contribution of at least $1,000 of own funds.

NeighborImpact First Time Homebuyer Down Payment Assistance Program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 Bend-Redmond MSA: 1-person $45,400; 4-person $64,850; 8-person $110,550 (varies by county). 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。

NeighborImpact First Time Homebuyer Down Payment Assistance Program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。

NeighborImpact First Time Homebuyer Down Payment Assistance Program服务于在Bend|Redmond|Prineville|Madras|Sisters|La Pine，Oregon购房的购房者。

NeighborImpact First Time Homebuyer Down Payment Assistance 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Application through NeighborImpact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。