Salt Lake City Plus (SLC+) Down Payment Assistance

Salt Lake City Plus (SLC+) Down Payment Assistance是面向Salt Lake City，Utah购房者的可免除贷款，由Community Development Corporation of Utah (CDCU)管理。 Salt Lake City Plus (SLC+) is a locally funded DPA program administered by CDCU and financed by Salt Lake City's 'Funding Our Future' sales-tax revenue. It raises the income ceiling to 120% of AMI, broadening eligibility versus the federally funded 'Own in Salt Lake City' program, and provides up to $39,000 as a 0% deferred loan forgivable after 5-10 years for homes within Salt Lake City limits. Up to $39,000 toward down payment and/or closing costs. Higher 120% AMI income ceiling. 0% interest, no monthly payments. Forgiven after 5-10 years. No minimum credit score. Free radon testing for SLC applicants. 资金来自Salt Lake City 'Funding Our Future' sales-tax revenue (locally funded, not federal CDBG/HOME)。

Salt Lake City Plus (SLC+) Down Payment Assistance提供最高$39,000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。

Salt Lake City Plus (SLC+) 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。

Salt Lake City Plus (SLC+) 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 Salt Lake City municipal boundaries per the Salt Lake County Assessor. Forgivable deferred loan; forgiveness 5 yrs (<$15,000) or 10 yrs ($15,000-$39,000). Locally funded (not CDBG/HOME). STATUS NOTE: documented from the 2022-2023 SLC+ application PDF; CDCU's current DPA page lists SLC DPA as administered, but one secondary source indicated SLC+ may be paused pending new funding -- confirm fund availability with CDCU before relying on it.

Salt Lake City Plus (SLC+) Down Payment Assistance将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income at/below 120% of Salt Lake County AMI, adjusted by household size. Per CDCU SLC+ table (120% AMI): 4-person $122,900. 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。

Salt Lake City Plus (SLC+) Down Payment Assistance将房价上限设为$520,000。 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。

Salt Lake City Plus (SLC+) Down Payment Assistance服务于在Salt Lake City，Utah购房的购房者。

Salt Lake City Plus (SLC+) 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。