CDFI Deferred DPCC

CDFI Deferred DPCC是面向Rapid City，South Dakota购房者的延期第二贷款。 NWDHR CDFI-funded 0% deferred second mortgage up to $15,000 toward down payment and closing costs. 620 FICO, 45% DTI, $1,000 borrower contribution. Western SD focus. NeighborWorks Dakota Home Resources (NWDHR) CDFI Deferred DPCC is a Down Payment / Closing Cost (DPCC) assistance second mortgage funded through NWDHR's Community Development Financial Institution (CDFI) capital pool. The program provides 0% deferred-payment second mortgages of up to $15,000 (or higher in some cases) toward down payment, closing costs, and prepaid items. There are no monthly payments. the full balance is due on sale, refinance, transfer of title, or when the home ceases to be the borrower's primary residence. Available primarily in Western South Dakota (Black Hills region) and statewide for SDHDA-paired transactions. 资金来自CDFI。

CDFI Deferred DPCC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：Full balance due on sale, refinance, payoff of first mortgage, transfer of title, or non-owner-occupancy. No monthly payments during the life of the first mortgage. 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。

CDFI Deferred DPCC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：Targeted neighborhoods (NWDHR Neighbor Next Door target areas) waive the FTHB requirement. 关于信用，该项目说明：620 minimum representative mid-FICO across NWDHR DPCC variants. 须参加购房者教育课程，由NWDHR Homebuyer Education (required); also accepts SDHDA-approved providers (GROW SD, HAPI, Framework, eHome America).提供。 居住要求：Property must be located in NWDHR's South Dakota service area (primarily Western SD / Black Hills counties: Pennington, Meade, Lawrence, Custer, Fall River) and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien. First-time homebuyer (no ownership of principal residence in past 3 years; some exceptions in targeted neighborhoods). Owner-occupied principal residence. Household income $63,000-$123,300 by household size. 620 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution. NWDHR Homebuyer Education required. Property within Western South Dakota service area or otherwise approved by NWDHR.

CDFI Deferred DPCC将家庭收入限制在$123,300。 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。

CDFI Deferred DPCC将房价上限设为$385,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Manufactured home on permanent foundation per first-mortgage product. 新建房屋符合条件。 预制房屋符合条件。

CDFI Deferred DPCC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、遗属配偶和美洲印第安人和阿拉斯加原住民购房者。 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。

CDFI Deferred DPCC服务于在Rapid City，South Dakota购房的购房者。 该项目针对特定区域：NWDHR Western South Dakota service area: Pennington, Meade, Lawrence, Custer, and Fall River counties (Black Hills region).

CDFI Deferred DPCC的申请通过管理该项目的机构办理。 资金通过Direct application to NWDHR; reserved at lender intake. Funds available on first-come, first-served basis subject to CDFI capital pool availability.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。