HomeChoice Downpayment Assistance

HomeChoice Downpayment Assistance是面向Statewide，Washington购房者的延期第二贷款。 HomeChoice Downpayment Assistance is WSHFC's disability-focused DPA program, providing up to $15,000 at 1% simple interest, deferred, to first-time homebuyers who themselves have a disability or who have a household member with a disability. It is one of WSHFC's longest-running specialty DPA programs. Up to $15,000 in down payment assistance for first-time homebuyers with a disability or with a disabled household member. Structured as a 1% simple interest deferred-payment second mortgage with 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 or House Key Opportunity first mortgage. Income limits at 80% AMI by county (approximately $122,100-$157,100). Designed to support disability-inclusive homeownership statewide. 资金来自WSHFC HomeChoice program funds (Federal Home Loan Bank and other partner contributions)。

HomeChoice 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 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。

HomeChoice 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 in prior 3 years); waived in IRS-designated target areas if using House Key Opportunity。 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 plus a HomeChoice-specific disability supplement provided by WSHFC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。 Borrower or a household member must have a documented disability (as defined under the Americans with Disabilities Act / Fair Housing Act). Disability documentation required (e.g., Social Security Disability award letter, physician statement, or other acceptable proof per WSHFC). First-time homebuyer required (no ownership in prior 3 years). Income at or below 80% AMI for the property's county. Must complete WSHFC Commission-Sponsored Homebuyer Education Seminar AND HomeChoice supplemental education. Must use Home Advantage or House Key Opportunity first mortgage.

HomeChoice 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 at or below 80% AMI for the property's county; range approximately $122,100 to $157,100 depending on county and household size. See 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。

HomeChoice Downpayment Assistance的房价上限如下：Subject to first-mortgage program sales price limits (Home Advantage has no cap beyond agency limits; House Key Opportunity has IRS bond price caps)。 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。

HomeChoice 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。

HomeChoice Downpayment Assistance服务于在Statewide，Washington购房的购房者。

HomeChoice 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 via WSHFC online lender portal alongside 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。