Own in Ogden - DPA Program

Own in Ogden - DPA Program是面向Ogden，Utah购房者的延期第二贷款。 Own in Ogden is a place-based DPA program funded by Ogden City to encourage homeownership in target neighborhoods. Provides deferred-payment, forgivable second-mortgage DPA of up to $10,000 (higher tiers available for city employees and target census tracts). 5-year affordability period. Up to $10,000 deferred-payment, forgivable second-mortgage DPA for owner-occupied homebuyers purchasing in target Ogden City neighborhoods. Higher amounts may be available for city employees or in specifically targeted census tracts. Maximum purchase price $430,000-$467,000 (varies by tier). 5-year affordability period. loan forgiven if borrower remains in home. 资金来自Local、HOME和CDBG。

Own in Ogden - DPA Program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：Forgiven over 5-year affordability period和due on sale, refinance, or non-occupancy。 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。

Own in Ogden - DPA 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：Minimum 620 FICO; 660 FICO for some tiers。 须参加购房者教育课程，由HUD-approved homebuyer education required (NeighborWorks Salt Lake or similar).提供。 居住要求：Property must be in Ogden City。 公民身份或移民身份：Per HOME/CDBG eligible-status rules。 Property must be located in Ogden City (specific target neighborhoods for higher tier). Household income at or below 80% AMI for Weber County ($67,500-$127,250 by household size). Purchase price at or below tiered limit ($430,000 standard / $467,000 target). Minimum 620 FICO (660 for some tiers). Minimum $1,000 borrower contribution. Must complete HUD-approved homebuyer education. 5-year affordability period.

Own in Ogden - DPA Program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。 Up to 80% AMI for Weber County HUD limits; $67,500 (1-person) to $127,250 (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。

Own in Ogden - DPA Program将房价上限设为$467,000。 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。

Own in Ogden - DPA Program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、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

Own in Ogden - DPA Program服务于在Ogden，Utah购房的购房者。 该项目针对特定区域：Designated Ogden City target neighborhoods qualify for higher DPA award and purchase price limit.

Own in Ogden - DPA Program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 Ogden City Community Development; reservation upon 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。