CDCU "Own in" Down Payment Assistance Programs (DPA)

CDCU "Own in" Down Payment Assistance Programs (DPA)是面向Salt Lake City|South Salt Lake|West Valley City|Murray|Midvale，Utah购房者的延期第二贷款。 CDCU's 'Own in' programs are place-based DPA pools funded by participating Salt Lake County municipalities (HOME/CDBG entitlement). Provides deferred-payment, partially-forgivable seconds for income-qualified first-time homebuyers purchasing within the funder city's boundaries. Specific maximum award, forgiveness terms, and affordability period vary by city. Place-based DPA programs (Own in Salt Lake, Own in South Salt Lake, Own in West Valley City, Own in Murray, Own in Midvale, etc.) providing up to ~$40,000 in deferred-payment, partially-forgivable second mortgages for low-to-moderate-income first-time homebuyers in participating Salt Lake County jurisdictions. Funds typically deferred with 5-year forgiveness or affordability period. specific terms vary by city. 资金来自Local、HOME和CDBG。

CDCU "Own in" Down Payment Assistance Programs (DPA)在5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：Repayable on sale, refinance, or non-occupancy during affordability period和partial forgiveness over 5 years (program-specific)。 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。

CDCU "Own in" Down Payment Assistance Programs (DPA)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。 关于信用，该项目说明：Per first-mortgage lender (typically 620+); CDCU does not impose separate floor。 须参加购房者教育课程，由CDCU HUD-approved homebuyer education (online and in-person) required prior to closing; cdcutah.org/homebuyer-education提供。 居住要求：Property must be in participating Salt Lake County jurisdiction (Salt Lake City, South Salt Lake, West Valley City, Murray, Midvale, etc.)。 公民身份或移民身份：Per HOME/CDBG eligible-status rules。 First-time homebuyer (no ownership in last 3 years). Household income at or below 80% AMI for Salt Lake County (varies $59,400-$111,950 by household size). Purchase price at or below $492,000 (varies by program). Minimum $1,000 borrower contribution typically required. Must complete CDCU homebuyer education. Property must be in participating jurisdiction. Affordability/forgiveness period typically 5 years (program-specific).

CDCU "Own in" Down Payment Assistance Programs (DPA)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。 At or below 80% AMI for Salt Lake County HUD income limits; $59,400 (1-person) to $111,950 (8-person household). 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。

CDCU "Own in" Down Payment Assistance Programs (DPA)将房价上限设为$492,000。 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD。 新建房屋符合条件。 预制房屋不符合条件。

CDCU "Own in" Down Payment Assistance Programs (DPA)服务于在Salt Lake City|South Salt Lake|West Valley City|Murray|Midvale，Utah购房的购房者。 该项目针对特定区域：Available only in participating Salt Lake County jurisdictions (Salt Lake City, South Salt Lake, West Valley City, Murray, Midvale, etc.)。

CDCU "Own in" Down Payment Assistance Programs (DPA)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Borrower applies through CDCU; CDCU reserves funds upon eligibility approval.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。