RIHousing Extra Assistance Down Payment & Closing Cost Loan

RIHousing Extra Assistance Down Payment & Closing Cost Loan是面向Rhode Island购房者的需偿还的第二贷款，由RIHousing (Rhode Island Housing and Mortgage Finance Corporation)管理。 A repayable second mortgage for down payment/closing of up to 6% of price (max $20,000), 15-year term, at the same rate as the RIHousing first mortgage, with no fees. Up to 6% of purchase price or $20,000 (lower of). Rate matches your RIHousing first mortgage. No fees. 15-year term. 资金来自State。

RIHousing Extra Assistance Down Payment & Closing Cost Loan提供最高$20,000的援助。 该项目可与RIHousing first mortgage和RI REALTORS Homebuyer Grant结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由RIHousing (Rhode Island Housing and Mortgage Finance Corporation)决定。

RIHousing Extra Assistance Down Payment & Closing Cost Loan是需偿还的第二贷款，按RIHousing (Rhode Island Housing and Mortgage Finance Corporation)设定的条款偿还。 触发还款的情形：15-year amortizing second mortgage (monthly payments); due on sale/refinance。 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。

RIHousing Extra Assistance Down Payment & Closing Cost Loan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。 该项目列出的最低信用分数为620。 须参加购房者教育课程，由RIHousing homebuyer education course提供。 居住要求：Property must be in Rhode Island。 Requires a RIHousing-funded first mortgage; homebuyer education; primary residence.

RIHousing Extra Assistance Down Payment & Closing Cost Loan的收入限制如下：Must meet RIHousing Price & Income Limits (Loan Center contact if income <$137,160 1-2 / <$160,020 3+). Max purchase price $838,592. 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。

RIHousing Extra Assistance Down Payment & Closing Cost Loan将房价上限设为$838,592。 符合条件的房屋类型包括Single Family、Condo和2-4 Unit。

RIHousing Extra Assistance Down Payment & Closing Cost Loan服务于在Rhode Island任何地方购房的购房者。

RIHousing Extra Assistance Down Payment & Closing Cost Loan的申请通过RIHousing (Rhode Island Housing and Mortgage Finance Corporation)办理，该机构在其网站上公布现行条款和申请步骤。 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。