Manufactured Housing Down Payment Loan

Manufactured Housing Down Payment Loan是面向Burlington，Vermont购房者的静默第二贷款，由Champlain Housing Trust管理。 A silent-second down payment assistance loan to help buyers purchase or replace a manufactured home with a new Energy Star Rated or Zero Energy Ready model (or an approved Zero Energy Modular home). 0.00% interest with all payments deferred until the property is sold, transferred, or refinanced. Assumable by the next qualifying buyer. Available in any Vermont county. 0.00% interest silent-second DPA loan; all payments deferred until sale/transfer/refinance; assumable; tiered $30,000 or $40,000 by home type and land.

Manufactured Housing Down Payment Loan提供$30,000至$40,000的援助。 援助档次：$30,000: new Energy Star/Zero Energy Ready manufactured home in a park or on privately leased land. $40,000: new Energy Star/Zero Energy Ready manufactured home on owned land, OR approved Zero Energy Modular (ZEM) home (1:1 replacement on owned land or in a park). 购房者自付部分：Borrower must contribute at least $2,500 of transaction costs from savings。 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。

Manufactured Housing Down Payment Loan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：Deferred until the property is sold, transferred, or refinanced。 该援助以Second (silent second secured by mortgage deed)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。

Manufactured Housing Down Payment Loan面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Local NeighborWorks HomeOwnership Center (5+ VT locations)提供。 Contact loan officer Shawn Chapman (NMLS #415801); page email Cloudflare-protected.

Manufactured Housing Down Payment Loan的收入限制如下：Gross household income below county-specific 2026 limits. 4-person examples: Chittenden/Franklin/Grand Isle $149,640; Washington $136,800; Addison $138,240; Bennington $128,040; Orange $126,600; Caledonia/Essex/Lamoille/Orleans/Rutland/Windham $125,640; Windsor $131,280. Full 1-8 person table by county on program page. 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。

Manufactured Housing Down Payment Loan可用于manufactured home和modular home。 新建房屋符合条件。 预制房屋符合条件。

Manufactured Housing Down Payment Loan服务于在Burlington，Vermont购房的购房者。

Manufactured Housing Down Payment Loan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。