Homeownership Equity Program (HEP) Down Payment Assistance

Homeownership Equity Program (HEP) Down Payment Assistance是面向Burlington，Vermont购房者的可免除贷款，由Champlain Housing Trust管理。 A Special Purpose Credit Program (under ECOA) created to address racial homeownership gaps. Provides 0.00% interest down payment assistance loans (0.06% APR) of up to $25,000 to qualified shared-equity homebuyers who identify as BIPOC. Fully forgiven if the buyer owns and occupies the home for three or more years. Available statewide through nine partner agencies. Up to $25,000 in DPA at 0.00% interest (0.06% APR); fully forgiven after 3 years of owner-occupancy. 资金来自Champlain Housing Trust (Special Purpose Credit Program under ECOA)。

Homeownership Equity Program (HEP) Down Payment Assistance提供最高$25,000的援助。 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Champlain Housing Trust决定。

Homeownership Equity Program (HEP) Down Payment Assistance在3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：Repayment required only if the buyer does not own and occupy the home for at least 3 years; after 3 years the loan is forgiven。 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。

Homeownership Equity Program (HEP) 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 Distinct from cataloged CHT Shared Equity - HEP is a separate forgivable DPA loan layered on a shared-equity purchase. Restricted to BIPOC applicants.

Homeownership Equity Program (HEP) Down Payment Assistance将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income at or below 100% of area median income. 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。

Homeownership Equity Program (HEP) Down Payment Assistance在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 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。

Homeownership Equity Program (HEP) Down Payment Assistance服务于在Burlington，Vermont购房的购房者。

Homeownership Equity Program (HEP) Down Payment Assistance的申请通过Champlain Housing Trust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。