Downpayment Assistance Program

Downpayment Assistance Program是面向Seattle，Washington购房者的延期第二贷款。 City of Seattle Office of Housing Downpayment Assistance Program — funded by HUD HOME and the Seattle Housing Levy. Provides 0% deferred second mortgages to first-time homebuyers purchasing within the City of Seattle. Typically delivered via Office of Housing partner agencies (HomeSight, Habitat for Humanity Seattle, etc.). Deferred 0% second mortgage of typically $10,000-$55,000+ for income-qualified first-time homebuyers purchasing a primary residence within the City of Seattle. Funded by HUD HOME and the Seattle Housing Levy through the Seattle Office of Housing. Often delivered via partner agencies (HomeSight, Habitat for Humanity Seattle, etc.). No monthly payment. loan due on sale, refinance with cash-out, transfer of title, or when home ceases to be primary residence (typically 30-year deferred). 资金来自Federal、HUD、HOME、Local和Seattle Housing Levy。

Downpayment Assistance Program在30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和full principal due on sale, refinance with cash-out, transfer of title, or when home ceases to be primary residence (typically 30-year 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。

Downpayment Assistance 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 typical; first-mortgage lender overlays apply。 须参加购房者教育课程，由HUD-approved homebuyer education — HomeSight, Urban League of Metropolitan Seattle, Solid Ground or eHome America 8-hour course提供。 居住要求：Property must be within City of Seattle corporate limits; 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 / single-parent exceptions apply). Property must be within City of Seattle corporate limits. Owner-occupied primary residence. HUD-approved homebuyer education required. Income $84,320 (1 person) to $159,120 (8 person) per HUD HOME 80% AMI for King County / Seattle. Borrower minimum $2,500 own-funds contribution typical. Often delivered via Office of Housing partner agencies.

Downpayment Assistance 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 $84,320 (1 person) to $159,120 (8 person) per HUD HOME 80% AMI for King County / Seattle. 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。

Downpayment Assistance Program的房价上限如下：Subject to HUD HOME maximum sales price for King County (existing/new); verify current limit with Office of Housing。 符合条件的房屋类型包括Single-family detached, condo, townhouse, 2-4 unit (with owner-occupancy)。 新建房屋符合条件。 预制房屋不符合条件。

Downpayment Assistance 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。

Downpayment Assistance Program服务于在Seattle，Washington购房的购房者。 该项目针对特定区域：City of Seattle corporate limits。

Downpayment Assistance 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 Seattle Office of Housing partner agencies (HomeSight, Habitat for Humanity Seattle, etc.); subject to annual Office of Housing 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。