Down Payment Assistance (DPA) Program

Down Payment Assistance (DPA) Program是面向Multiple县，Washington购房者的延期第二贷款。 Tri-Cities HOME Consortium down payment assistance program — Kennewick, Pasco, Richland and Benton/Franklin Counties HUD HOME consortium funds 0% deferred second mortgage for income-qualified first-time homebuyers in southeastern Washington. Deferred 0% second mortgage of typically $5,000-$20,000 for income-qualified first-time homebuyers purchasing a primary residence in Kennewick, Pasco, Richland, or unincorporated Benton/Franklin counties. Maximum purchase price $347,000. Funded by Tri-Cities HOME Consortium HUD HOME funds. No monthly payment. principal due on sale, refinance with cash-out, or vacating primary residence. 资金来自Federal、HUD、HOME、Local和Consortium。

Down Payment Assistance (DPA) Program在5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：Forgiven over HUD HOME affordability period (5-15 years)和payable on sale, refinance with cash-out, or vacating primary residence。 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。

Down Payment Assistance (DPA) Program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：HUD displaced-homemaker / single-parent exceptions apply。 关于信用，该项目说明：620 minimum FICO for FHA/VA/USDA; 680 minimum for Conventional。 须参加购房者教育课程，由HUD-approved homebuyer education (eHome America or Benton-Franklin Community Action homebuyer counseling)提供。 居住要求：Property in Kennewick, Pasco, Richland or unincorporated Benton/Franklin counties; owner-occupied primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen (per HUD HOME rules)。 First-time homebuyer (HUD displaced-homemaker exceptions apply). Property in Kennewick, Pasco, Richland, or unincorporated Benton/Franklin counties. Owner-occupied primary residence. Maximum purchase price $347,000. HUD-approved homebuyer education required. Income $51,750 (1 person) to $97,550 (8 person) per HUD HOME 80% AMI for Kennewick-Richland MSA. Minimum FICO 620 (FHA/VA/USDA) or 680 (Conventional).

Down Payment Assistance (DPA) Program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。 Household income $51,750 (1 person) to $97,550 (8 person) per HUD HOME 80% AMI for Kennewick-Richland MSA. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Down Payment Assistance (DPA) Program将房价上限设为$347,000。 符合条件的房屋类型包括Single-family detached, condo, townhouse, manufactured on land。 新建房屋符合条件。 预制房屋符合条件。

Down Payment Assistance (DPA) Program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。

Down Payment Assistance (DPA) Program服务于在Multiple县，Washington购房的购房者。 该项目针对特定区域：Tri-Cities HOME Consortium service area — Cities of Kennewick, Pasco, Richland and unincorporated Benton/Franklin counties。

Down Payment Assistance (DPA) Program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Apply via Tri-Cities HOME Consortium / participating lender; first-come first-served subject to annual HOME allocation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。