Home Advantage Downpayment Assistance - Needs Based Program

Home Advantage Downpayment Assistance - Needs Based Program是面向Statewide，Washington购房者的延期第二贷款。 The Home Advantage Needs Based Program offers enhanced 5% / $10,000 DPA at 1% simple interest to lower-income borrowers (at or below 80% AMI by county) using a Home Advantage first mortgage. Designed for borrowers who need more than the standard 4% Home Advantage DPA but qualify under stricter income tests. Enhanced version of Home Advantage DPA for lower-income borrowers. Provides up to 5% of the first mortgage loan amount (up to $10,000) as a 1% simple interest deferred-payment second mortgage. Targeted at borrowers at or below 80% of area median income. income limits range from approximately $122,100 to $157,100 depending on county. No monthly payments. principal and accrued interest due at sale, refinance, transfer, or end of first mortgage. Must be paired with a WSHFC Home Advantage first mortgage. 资金来自WSHFC Home Advantage program。

Home Advantage Downpayment Assistance - Needs Based Program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 at sale, refinance, transfer of title, end of first mortgage term, or when property is no longer borrower's 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。

Home Advantage Downpayment Assistance - Needs Based Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由WSHFC-sponsored Commission-Sponsored Homebuyer Education Seminar (5-hour course, free, online or in-person)提供。 居住要求：Property must be in Washington 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。 Income must be at or below 80% AMI for the property's county. WSHFC Commission-Sponsored Homebuyer Education Seminar required before signing purchase contract. Must use Home Advantage first mortgage. Property must be in Washington and occupied as primary residence. The Needs Based program is one of several WSHFC DPA options that can be selected based on borrower fit; borrowers can compare with standard Home Advantage DPA, Opportunity DPA, HomeChoice, Veterans, and Covenant DPAs.

Home Advantage Downpayment Assistance - Needs Based 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。 Income limit equals 80% of area median income for the property's county; ranges approximately $122,100 to $157,100 depending on county and household size. Use WSHFC's income limits table at https://www.wshfc.org/buyers/income.htm. 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。

Home Advantage Downpayment Assistance - Needs Based Program的房价上限如下：No WSHFC-imposed sales price cap; subject to agency loan limits。 符合条件的房屋类型包括Single-family detached, townhomes, condos (agency-approved), PUDs和manufactured housing per agency guidelines。 新建房屋符合条件。 预制房屋符合条件。

Home Advantage Downpayment Assistance - Needs Based 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、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。

Home Advantage Downpayment Assistance - Needs Based Program服务于在Statewide，Washington购房的购房者。

Home Advantage Downpayment Assistance - Needs Based 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Lender reserves via WSHFC online lender portal alongside Home Advantage first mortgage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。