Utah Housing Down Payment Assistance Second Mortgage

Utah Housing Down Payment Assistance Second Mortgage是面向Utah购房者的第二抵押贷款，由Utah Housing Corporation (UHC)管理。 Utah Housing Corporation's Down Payment Assistance Second Mortgage finances all or part of a borrower's down payment and closing costs via a 30-year fixed second mortgage paired with a UHC first mortgage. Two options exist: a Traditional DPA of up to 6% (max $27,500) at 1% above the first-mortgage rate with a required monthly payment, and a Deferred DPA of up to 3.5% (max $27,500) at 3.5% deferred simple interest with no monthly payment. UHC originates and services both loans, enabling many borrowers to buy with little or no cash to close. Finance down payment and closing costs as a second mortgage. Little-to-no cash required at closing. Traditional (6%/$27,500) or no-payment Deferred (3.5%/$27,500) options. One servicer for both mortgages. Works with FHA, VA, and Freddie Mac HFA Advantage UHC first mortgages. 资金来自Utah Housing Corporation (state HFA; UHC originates, purchases, and services both first and second mortgages)。

Utah Housing Down Payment Assistance Second Mortgage提供最高$27,500的援助。 援助档次：Traditional DPA: up to 6% of first mortgage (max $27,500); 30-yr fixed second at 1% above first mortgage rate (cap 8%, floor=first rate); monthly payment required. Deferred DPA: up to 3.5% (max $27,500); 30-yr fixed 3.5% deferred simple interest; no monthly payment; balance+interest due at maturity/sale/refinance. 该项目可与UHC FirstHome / FHA-VA / Freddie Mac HFA Advantage first mortgages; SB240 New Construction assistance (3rd lien).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Utah Housing Corporation (UHC)决定。

Utah Housing Down Payment Assistance Second Mortgage是第二抵押贷款，按Utah Housing Corporation (UHC)设定的条款偿还。 触发还款的情形：Traditional DPA: amortizing monthly payments over 30 years (paid concurrently with the first mortgage to UHC). Deferred DPA: outstanding principal and deferred interest due upon maturity, sale, or refinance (no monthly payment). 该援助以Second (subordinate to the UHC first mortgage)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。

Utah Housing Down Payment Assistance Second Mortgage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：Governed by accompanying first mortgage: 660 FirstHome, 620 FHA/VA, 680 Freddie Mac HFA Advantage. 居住要求：Property must be in Utah and owner-occupied as a primary residence; no portion may be rented under FirstHome. Must qualify for and close a UHC first mortgage; cannot be used with a non-UHC loan. 30-year term both loans. Traditional DPA 1% over first rate (cap 8%); Deferred DPA 3.5% deferred simple interest with balloon at maturity/sale/refinance. EXCLUDED: UHC HomeAgain, NoMI, Score first mortgages are 'Temporarily Suspended' and not currently offered.

Utah Housing Down Payment Assistance Second Mortgage将家庭收入限制在$162,500。 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。

Utah Housing Down Payment Assistance Second Mortgage将房价上限设为$772,400。 符合条件的房屋类型包括Single-Family (detached)、Condominium、PUD和Two-unit owner-occupied (FHA/VA and Freddie Mac only)。 新建房屋符合条件。 预制房屋符合条件。

Utah Housing Down Payment Assistance Second Mortgage服务于在Utah任何地方购房的购房者。

Utah Housing Down Payment Assistance Second Mortgage的申请通过Utah Housing Corporation (UHC)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Reserved by a UHC-approved Participating Lender via UHC PowerLender portal at first-mortgage rate lock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。