Shelby County Down Payment Assistance Program

Shelby County Down Payment Assistance Program是面向Shelby县，Tennessee购房者的需偿还的第二贷款，由Shelby County Department of Housing (Division of Planning & Development)管理。 Shelby County's DPA Program assists low- and moderate-income buyers with a portion of down payment and closing costs to purchase an existing or newly constructed home anywhere within Shelby County (covering unincorporated Shelby plus Arlington, Bartlett, Collierville, Germantown, Millington; the City of Memphis runs separate programs). Up to $6,000 toward down payment and closing costs as a 3% fixed-rate loan repayable over up to 15 years. 资金来自Federal (HUD HOME/CDBG via Shelby County)。

Shelby County Down Payment Assistance Program提供最高$6,000的援助。 购房者自付部分：Purchaser must invest a minimum of $500 of own funds. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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Shelby County Department of Housing (Division of Planning & Development)决定。

Shelby County Down Payment Assistance Program是需偿还的第二贷款，按Shelby County Department of Housing (Division of Planning & Development)设定的条款偿还。 触发还款的情形：Amortizing repayment over up to 180 months (15 years). 该援助以Subordinate 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。

Shelby County Down Payment Assistance Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Good credit history required (no specific numeric minimum published). 须参加购房者教育课程，由Certified Homebuyer Education Class (provider not specified).提供。 居住要求：Home must be located within Shelby County. Total debt ratios must not exceed 45%. Applicants apply via Neighborly online portal. Buyer must have good credit history and stable employment.

Shelby County Down Payment Assistance Program的收入限制如下：Household income limits by family size: up to 2 persons min $26,100 max $98,314; 3 or more persons min $26,100 max $113,061. 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。

Shelby County Down Payment Assistance Program将房价上限设为$300,000。 符合条件的房屋类型包括single_family和new_construction。 新建房屋符合条件。

Shelby County Down Payment Assistance Program服务于在Shelby县，Tennessee购房的购房者。

Shelby County Down Payment Assistance Program的申请通过Shelby County Department of Housing (Division of Planning & Development)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Neighborly online application portal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。