Down Payment and Closing Cost Assistance Program (80% - 115% AMI)

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)是面向Pittsburgh，Pennsylvania购房者的延期第二贷款。 URA Pittsburgh DPA tier for buyers 80%-115% AMI. Up to $5,000 deferred 0% non-forgivable soft second due at sale/refi/transfer. Pittsburgh city limits, FTHB, 660 FICO, 45% DTI, 1% borrower contribution, mandatory counseling. URA Pittsburgh's Down Payment and Closing Cost Assistance Program (DPCCAP) for buyers between 80% and 115% Area Median Income (AMI). Provides up to $5,000 in deferred 0% interest second mortgage assistance for down payment and/or closing costs. The DPA is a NON-FORGIVABLE soft second due upon sale, refinance, transfer, or cessation of primary residency. Pairs with FHA, VA, USDA, or Conventional first mortgage. Buyers must purchase a 1-2 unit owner-occupied primary residence in the City of Pittsburgh, complete pre-purchase homebuyer counseling, contribute minimum 1% from own funds, and meet 660 minimum credit score. 资金来自Local和Bond。

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)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：Soft second is non-forgivable. Full balance due upon sale, refinance, transfer of title, or cessation of borrower's primary residency at the property. 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 and Closing Cost Assistance Program (80% - 115% AMI)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：First-time homebuyer required (no ownership in past 3 years). 关于信用，该项目说明：660 minimum FICO. 须参加购房者教育课程，由URA-approved homebuyer counseling agencies including NeighborWorks Western Pennsylvania, ACTION-Housing, Catapult Greater Pittsburgh, and Hosanna House.提供。 居住要求：Property must be located in the City of Pittsburgh and used as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product. Property must be located within the City of Pittsburgh and used as borrower's primary residence (1-2 unit owner-occupied). First-time homebuyer required (no ownership in past 3 years). Income between 80% and 115% AMI for Allegheny County (4-person 80% AMI ~$80,000; 4-person 115% AMI ~$115,000; full range $56,250-$133,975 1p-8p). 660 minimum credit score. 45% maximum DTI. Borrower must complete pre-purchase homebuyer counseling at URA-approved agency. Borrower must contribute minimum 1% from own funds. Soft second is non-forgivable, due on sale/refi/transfer/loss of owner-occupancy.

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Income limits between 80% and 115% AMI for Allegheny County (4-person 80% AMI ~$80,000; 4-person 115% AMI ~$115,000). Full household range $56,250 (1-person 80% AMI) to $133,975 (8-person 115% AMI). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 and Closing Cost Assistance Program (80% - 115% AMI)的房价上限如下：No URA-set maximum; per first-mortgage product loan limits and Allegheny County FHA loan limits. 符合条件的房屋类型包括1-2 unit owner-occupied primary residence (single-family detached, duplex, condominium, townhouse). 新建房屋符合条件。 预制房屋不符合条件。

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)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。

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)服务于在Pittsburgh，Pennsylvania购房的购房者。

Down Payment and Closing Cost Assistance Program (80% - 115% AMI)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Reserved by URA-approved participating lender at rate lock through URA's reservation system.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。