ARCH East King County Downpayment Assistance

ARCH East King County Downpayment Assistance是面向King县，Washington购房者的延期第二贷款。 ARCH East King County Downpayment Assistance is a locally funded program administered by WSHFC for buyers purchasing within ARCH member jurisdictions in East King County. It provides up to $30,000 as a deferred 2nd mortgage at 4% simple interest with no payments due for 30 years (or until sale, refinance, or transfer). Must be paired with a WSHFC first mortgage. Up to $30,000 in down payment and closing cost assistance for first-time homebuyers purchasing in East King County (Bellevue, Redmond, Kirkland, Issaquah, Sammamish, Mercer Island, Bothell, Woodinville, Kenmore, Newcastle, Clyde Hill, Beaux Arts, Hunts Point, Medina, Yarrow Point, Snoqualmie, North Bend, Carnation, Duvall). Funded by ARCH (A Regional Coalition for Housing) and administered by WSHFC. Structured as a deferred-payment second mortgage at 4% simple interest, deferred for 30 years (no monthly payments). Must be paired with a Home Advantage or House Key Opportunity first mortgage from WSHFC. ARCH is funded by member city contributions to support affordable homeownership in the Eastside. 资金来自ARCH (A Regional Coalition for Housing) member jurisdiction contributions; administered by WSHFC。

ARCH East King County Downpayment 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：Due upon sale, refinance, transfer of title, or when the property is no longer the borrower's primary residence和otherwise deferred 30 years。 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。

ARCH East King County Downpayment 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 required (no ownership interest in a principal residence in prior 3 years); waived in IRS-designated target areas if using bond-funded first mortgage。 关于信用，该项目说明：620 minimum FICO; varies by underlying first mortgage product。 须参加购房者教育课程，由WSHFC-sponsored Commission-Sponsored Homebuyer Education Seminar (5-hour course, free, available online or in-person)提供。 居住要求：Property must be in an ARCH member jurisdiction in East King County, WA, and occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 Property must be located within an ARCH member jurisdiction in East King County (Bellevue, Bothell, Clyde Hill, Issaquah, Kenmore, Kirkland, Medina, Mercer Island, Newcastle, Redmond, Sammamish, Woodinville, Yarrow Point, Hunts Point, Beaux Arts Village, and unincorporated King County areas served by ARCH such as Snoqualmie, North Bend, Carnation, Duvall). First-time homebuyer required (no homeownership in prior 3 years). Borrower must complete WSHFC Commission-Sponsored Homebuyer Education Seminar. Must use a WSHFC first mortgage (Home Advantage or House Key Opportunity). Income limits and sales price caps vary by program tier; House Key Opportunity has lower limits than Home Advantage. Target areas may have higher income limits.

ARCH East King County Downpayment Assistance将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Income limits vary by underlying first mortgage program. With Home Advantage in King County: up to approximately $157,100. With House Key Opportunity in King County: $84,850 (1-2 person) to $97,575 (3+ person) in non-target areas. Limits are aligned with WSHFC's Home Advantage and Opportunity income tables and are updated periodically. 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。

ARCH East King County Downpayment Assistance将房价上限设为$660,000。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must be on agency-approved list), planned-unit developments和manufactured housing per agency guidelines。 新建房屋符合条件。 预制房屋符合条件。

ARCH East King County Downpayment 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、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

ARCH East King County Downpayment Assistance服务于在King县，Washington购房的购房者。 该项目针对特定区域：Restricted to ARCH member jurisdictions in East King County, including Bellevue, Bothell, Clyde Hill, Issaquah, Kenmore, Kirkland, Medina, Mercer Island, Newcastle, Redmond, Sammamish, Woodinville, Yarrow Point, Hunts Point, Beaux Arts Village, and unincorporated East King County areas (Snoqualmie, North Bend, Carnation, Duvall).

ARCH East King County Downpayment 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Lender reserves DPA funds via WSHFC's online lender portal alongside the first mortgage reservation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。