Home Advantage Downpayment Assistance

Home Advantage Downpayment Assistance是面向Statewide，Washington购房者的延期第二贷款。 Home Advantage Downpayment Assistance is WSHFC's flagship statewide DPA program, structured as a 4%-of-first-mortgage 0% deferred second mortgage. It is the most widely used WSHFC DPA option, available to all buyers using a Home Advantage first mortgage with qualifying income up to $215,000. No first-time homebuyer requirement. WSHFC's flagship down payment assistance program. Provides up to 4% of the first mortgage loan amount as a deferred-payment second mortgage at 0% interest. No monthly payments. principal due in full at sale, refinance, transfer, or end of first-mortgage term. Available statewide to buyers using a WSHFC Home Advantage first mortgage. No first-time homebuyer requirement. Income limit of $215,000 (qualifying income, not household income). The most flexible and widely used WSHFC DPA option. 资金来自WSHFC Home Advantage program (TBA / capital markets execution)。

Home Advantage 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 in full at sale, refinance, transfer of title, end of 30-year 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 (varies by loan product)。 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 State 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。 Borrower's qualifying income must not exceed $215,000 (effective 2025; updated periodically). No first-time homebuyer requirement. Must complete WSHFC Commission-Sponsored Homebuyer Education Seminar before signing purchase contract. Must use a Home Advantage first mortgage from WSHFC. Property must be in Washington State and occupied as primary residence. Flat statewide income cap; not pegged to AMI.

Home Advantage Downpayment Assistance将家庭收入限制在$215,000。 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的房价上限如下：No WSHFC-imposed sales price cap; subject only to FHA/VA/USDA county loan limits or conforming conventional 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服务于在Statewide，Washington购房的购房者。

Home Advantage 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 along with Home Advantage first mortgage rate via WSHFC online lender portal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。