Targeted Area DPA (TADPA)

Targeted Area DPA (TADPA)是面向Memphis，Tennessee购房者的可免除贷款。 Memphis HCD's higher-subsidy DPA track for buyers in HUD-designated Neighborhood Revitalization Strategy Areas (NRSAs). Up to $25,000 forgivable second mortgage at 0% deferred, forgiven over 10 years. Drives concentrated homeownership investment in revitalization census tracts. $300K max purchase, 80% AMI ceiling, $500 buyer contribution. Memphis Targeted Area Down Payment Assistance (TADPA) is a HUD HOME / CDBG-funded forgivable second mortgage administered by the Memphis Division of Housing and Community Development with a higher subsidy ceiling for buyers purchasing homes in HUD-designated Neighborhood Revitalization Strategy Areas (NRSAs) and other targeted census tracts within Memphis. Eligible buyers receive up to $25,000 toward down payment and closing costs (vs. $10,000 in standard CWDPA) - the higher subsidy is intended to drive concentrated homeownership investment in revitalization neighborhoods. The loan is 0% interest, deferred, and forgivable over a 10-year HUD HOME affordability period (longer term reflecting the larger subsidy). Pre-1978 housing subject to Lead Safe Housing Rule. 资金来自Federal、HOME和City。

Targeted Area DPA (TADPA)提供最高$25,000的援助。 购房者自付部分：Minimum $500 borrower contribution from 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管理该项目的机构决定。

Targeted Area DPA (TADPA)在10年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Forgiven over 10-year HOME affordability period (1/10 per year of owner-occupancy). Unforgiven balance due on sale, transfer, refinance (cash-out), or non-occupancy before period end, limited to net proceeds. 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。

Targeted Area DPA (TADPA)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：Standard HUD HOME exceptions apply. 关于信用，该项目说明：620 typical minimum FICO. 须参加购房者教育课程，由HUD-approved housing counseling agency required (certificate before closing). Memphis HCD-approved providers list at memphistn.gov.提供。 居住要求：Property within HUD-designated NRSA / targeted census tract within Memphis city limits; primary residence; 10-year affordability period. 公民身份或移民身份：Per HUD HOME federal eligibility. Property must be located within a HUD-designated Neighborhood Revitalization Strategy Area (NRSA) or other Memphis-designated targeted census tract. First-time homebuyer required. Household income at or below 80% AMI Memphis MSA ($45,400-$75,200 by HH size). Max purchase price $300,000. HUD-approved counseling required. Minimum $500 borrower contribution. Property must pass HUD HQS / NSPIRE inspection; pre-1978 housing subject to Lead Safe Housing Rule. 10-year HUD HOME affordability period (longer than CWDPA's 5 years due to higher subsidy amount).

Targeted Area DPA (TADPA)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。 Household income at or below 80% AMI Memphis MSA - 2025 limits $45,400 (1p) to $75,200 (8p). 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。

Targeted Area DPA (TADPA)将房价上限设为$300,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied) within targeted areas. 新建房屋符合条件。 预制房屋不符合条件。

Targeted Area DPA (TADPA)在其服务群体中提到了现役军人、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。

Targeted Area DPA (TADPA)服务于在Memphis，Tennessee购房的购房者。 该项目针对特定区域：HUD-designated Neighborhood Revitalization Strategy Areas (NRSAs) and Memphis-designated targeted census tracts. Memphis HCD maintains current map and tract list.

Targeted Area DPA (TADPA)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Apply through Memphis HCD; subject to annual HUD HOME / CDBG allocation.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。