Own in Salt Lake County Down Payment Assistance

Own in Salt Lake County Down Payment Assistance是面向Salt Lake县，Utah购房者的可免除贷款，由Community Development Corporation of Utah (CDCU)管理。 Own in Salt Lake County is a federally funded (CDBG/HOME) DPA program administered by CDCU on behalf of Salt Lake County. It provides first-time homebuyers at/below 80% AMI up to $20,000 as a 0% deferred loan, fully forgiven after 5-10 years of continued primary residency, toward down payment and/or closing costs. The county program covers only 50% of the required down payment. Up to $20,000 toward down payment and/or closing costs. 0% interest, no monthly payments. Forgiven after 5-10 years of residency. No minimum credit score. Any lender eligible. 资金来自Federal CDBG and HOME funds via Salt Lake County。

Own in Salt Lake County Down Payment Assistance提供最高$20,000的援助。 该项目要求购房者自付$1,000 in personal liquid funds (gift funds excluded); plus a cash reserve covering one month of housing expenses. 该项目可与First mortgage (FHA/Conventional/USDA/VA/Utah Housing).结合使用。 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Community Development Corporation of Utah (CDCU)决定。

Own in Salt Lake County Down Payment Assistance是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Repaid in full if the homeowner sells, transfers title, refinances for a non-qualifying reason, or ceases to occupy as primary residence before the forgiveness term is satisfied. 该援助以Second (no lower than third behind superior liens)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 Salt Lake County Down Payment 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：First-time homebuyer per HUD definition (no principal-residence ownership in prior 3 years; standard HUD exceptions for single parents, displaced homemakers, non-affixed and non-code-compliant prior properties). 关于信用，该项目说明：No minimum FICO credit score; credit report used only to verify credit history. 须参加购房者教育课程，由HUD-approved homebuyer education class (CDCU 801-994-7222 or Framework online) plus a mandatory free 1-on-1 pre-purchase counseling session.提供。 居住要求：Property within eligible Salt Lake County boundaries (excludes Taylorsville and Salt Lake City; limited HOME funds for West Valley City, Sandy, South Jordan, West Jordan). Forgivable deferred loan; forgiveness 5 yrs (awards <$15,000) or 10 yrs ($15,000-$40,000). County program covers only 50% of required down payment. Applicant must be under contract before applying.

Own in Salt Lake County Down Payment 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。 Household income at/below 80% AMI for Salt Lake County, adjusted by household size, per HUD limits updated annually. Per CDCU table (80% AMI, April 2022): 4-person $81,900. 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。

Own in Salt Lake County Down Payment Assistance将房价上限设为$522,500。 符合条件的房屋类型包括Single-family detached、Condominium和Townhome。 新建房屋符合条件。 预制房屋不符合条件。

Own in Salt Lake County Down Payment Assistance服务于在Salt Lake县，Utah购房的购房者。

Own in Salt Lake County Down Payment Assistance的申请通过Community Development Corporation of Utah (CDCU)办理，该机构在其网站上公布现行条款和申请步骤。 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。