Down Payment Closing Costs Assistance

Down Payment Closing Costs Assistance是面向Sisseton，South Dakota购房者的延期第二贷款。 Grow South Dakota statewide HUD HOME / CDBG-funded 0% deferred second mortgage up to $15,000 toward down payment and closing costs for buyers at or below 80% AMI. Rural / Eastern SD focus. Grow South Dakota's Down Payment Closing Costs Assistance program provides 0% deferred-payment second mortgages of up to $15,000 (typical $10,000-$15,000) toward down payment, closing costs, and prepaid items for low- to moderate-income homebuyers across South Dakota. There are no monthly payments. the full balance is due on sale, refinance, or non-owner-occupancy. Funded primarily through HUD HOME, CDBG, and other federal/state pass-through capital. Grow South Dakota (formerly Northeast SD CAP / GROW SD) is a Sisseton-based statewide nonprofit serving rural and Eastern/Central South Dakota. Program available statewide. 资金来自Federal和HOME。

Down Payment Closing Costs 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：Full balance due on sale, refinance, payoff of first mortgage, transfer of title, or non-owner-occupancy. No monthly payments. 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 Closing Costs Assistance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：Limited exceptions per HUD HOME regulations. 关于信用，该项目说明：620 minimum representative mid-FICO. 须参加购房者教育课程，由Grow South Dakota Homebuyer Education (in-person and online); also accepts Framework, eHome America, NeighborWorks Dakota Home Resources, Homes Are Possible Inc., or HUD-approved counseling agency.提供。 居住要求：Property must be located in South Dakota and serve as borrower's primary residence. Statewide eligibility with rural / Eastern / Central SD emphasis. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME requirements. First-time homebuyer (no ownership of principal residence in past 3 years; some exceptions). Owner-occupied principal residence in South Dakota. Annual household income at or below 80% Area Median Income for the county where property is located ($50,350 1p / $112,500 8p per HUD AMI schedule). 620 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution. Grow SD Homebuyer Education required.

Down Payment Closing Costs 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。 80% AMI by county per HUD income limits. Per seed: $50,350 (1p) up to $112,500 (8p). Limits vary by county; rural counties have lower limits. 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。

Down Payment Closing Costs Assistance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和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。

Down Payment Closing Costs Assistance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。

Down Payment Closing Costs Assistance服务于在Sisseton，South Dakota购房的购房者。

Down Payment Closing Costs 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Direct application to Grow South Dakota; first-come, first-served while funds last. Subject to HUD HOME / CDBG 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。