ASSIST Down Payment Assistance

ASSIST Down Payment Assistance是面向Statewide，Vermont购房者的延期第二贷款。 VHFA's ASSIST: $15,000 deferred 0% second-mortgage DPA pairing with VHFA MOVE / ADVANTAGE first-mortgage products. No monthly payment; full balance due on sale, refinance, transfer, or non-owner-occupancy. Statewide. 640 FICO. First-time homebuyer (waivers for targeted areas / veterans). VHFA's ASSIST program provides up to $15,000 in down-payment / closing-cost assistance as a 0% interest deferred-payment second mortgage. NO monthly payment. The full balance is repaid only at sale, refinance with cash-out, transfer of title, or when the home stops being the borrower's primary residence. ASSIST pairs with VHFA's MOVE first mortgage (30-year fixed FHA / VA / USDA-RD / HFA conventional), ADVANTAGE first mortgage (no-MI conventional for income-eligible borrowers), or VHFA Mortgage Credit Certificate (MCC) for additional federal-tax-credit benefit. Income limits follow VHFA's standard combined limits table (statewide income $110,000 baseline, up to $145,000 in higher-cost / targeted counties. verify by county and household size). Acquisition-cost limits range $450,000 non-targeted to $500,000 targeted/higher-cost. 640 minimum FICO. Maximum 45% DTI. Homebuyer education required. First-time-homebuyer requirement waived in federally targeted areas and for qualifying veterans. 资金来自State和Bond。

ASSIST Down Payment Assistance为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Full $15,000 balance due on sale, refinance with cash-out, transfer of title, or when the home stops being the borrower's primary residence. No monthly payment. No forgiveness schedule (deferred soft second). 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。

ASSIST 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 requirement waived in federally designated targeted census tracts and for qualifying veterans (per IRS Section 143(d)(2)(B)). 关于信用，该项目说明：640 minimum FICO across all eligible first-mortgage products. 须参加购房者教育课程，由VHFA-approved homebuyer education provider (eHome America online or in-person classes via Champlain Housing Trust, NWWVT, NeighborWorks Northwestern Vermont, Downstreet Housing, RuralEdge, etc.) required prior to closing.提供。 居住要求：Property must be located in Vermont and be the borrower's primary residence. Statewide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer (no ownership of a primary residence in the past 3 years; waived in federally targeted areas and for qualifying veterans). Owner-occupied primary residence. 640 minimum FICO. Maximum 45% DTI. Income at or below VHFA combined limits ($110,000 statewide baseline / up to $145,000 targeted-higher-cost county; verify by county and household size). Maximum purchase price $450,000 non-targeted / $500,000 targeted. VHFA-approved homebuyer education required. Pairs with VHFA MOVE, ADVANTAGE, or MCC first-mortgage product.

ASSIST Down Payment Assistance将家庭收入限制在$145,000。 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。

ASSIST Down Payment Assistance将房价上限设为$500,000。 符合条件的房屋类型包括Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation (titled as real property和per first-mortgage overlays). 新建房屋符合条件。 预制房屋符合条件。

ASSIST Down Payment Assistance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和遗属配偶。 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。

ASSIST Down Payment Assistance服务于在Statewide，Vermont购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS Section 143) where MRB first-time-homebuyer requirement is waived and higher income / acquisition-cost limits apply. Includes portions of Chittenden, Caledonia, Essex, and other counties per VHFA's targeted-areas list.

ASSIST Down Payment Assistance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Reserved through VHFA's online lender portal at time of rate lock by approved participating lender.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。