HomeSight City of Seattle Puget Sound Revolving Loan Fund

HomeSight City of Seattle Puget Sound Revolving Loan Fund是面向Seattle，Washington购房者的延期第二贷款。 HomeSight's City of Seattle Puget Sound Revolving Loan Fund (PSRLF) is a HomeSight-originated second-mortgage purchase-assistance product carved out of HomeSight's Puget Sound Revolving Loan Fund and dedicated to Seattle homebuyers. Loans are sized to fill gap between first-mortgage proceeds, buyer funds, and purchase price plus closing. Up to $70,000 in down-payment / closing-cost / gap financing for income-eligible first-time homebuyers purchasing in the City of Seattle. Structured as a fully amortized or partially deferred second mortgage at 1.5%-2.0% over the first-mortgage rate (depending on AMI). Funded through HomeSight's Puget Sound Revolving Loan Fund (a blend of City of Seattle Office of Housing, foundation, and CDFI capital) earmarked for City of Seattle borrowers. 资金来自HomeSight Puget Sound Revolving Loan Fund (City of Seattle Office of Housing, Seattle Foundation, JPMorgan Chase, US Treasury CDFI Fund, private foundation capital)。

HomeSight City of Seattle Puget Sound Revolving Loan Fund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：Sale, transfer, refinance with cash-out, end of loan term, or loss of owner-occupancy。 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。

HomeSight City of Seattle Puget Sound Revolving Loan Fund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：No ownership in past 3 years; exceptions for displaced homemakers, single parents, and federally declared disaster victims。 关于信用，该项目说明：Minimum middle FICO 640 (lender first-mortgage product overlays may be higher)。 须参加购房者教育课程，由HomeSight Homebuyer Education (HUD-approved); also accepts other HUD-approved counseling agencies, eHomeAmerica online (hswa)提供。 居住要求：Must occupy as primary residence; property in City of Seattle。 公民身份或移民身份：U.S. citizen or qualified alien (lawful permanent resident, eligible non-citizen)。 Property must be located within City of Seattle limits. Must be first-time homebuyer (no principal-residence ownership in last 3 years). Must complete HomeSight education curriculum and 1-on-1 financial counseling. Borrower minimum cash contribution required. Co-signers not permitted unless on title and occupying. Income includes all household members 18+. Maximum household income limit applies (1-person ~$126,600 up to ~$180,850 for 8-person at 120% AMI Seattle MSA).

HomeSight City of Seattle Puget Sound Revolving Loan Fund将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Income limits set at 120% of HUD Area Median Income for Seattle-Bellevue HMFA, adjusted for household size. 2024 limits roughly $126,600 (1-person) to $180,850 (8-person). Updated annually. 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。

HomeSight City of Seattle Puget Sound Revolving Loan Fund的房价上限如下：Property purchase price tied to maximum first-mortgage and HomeSight underwriting; no fixed cap published for the Seattle PSRLF tier。 符合条件的房屋类型包括Single-family detached, townhomes, condominiums (warrantable), 2-4 unit properties (owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

HomeSight City of Seattle Puget Sound Revolving Loan Fund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。

HomeSight City of Seattle Puget Sound Revolving Loan Fund服务于在Seattle，Washington购房的购房者。

HomeSight City of Seattle Puget Sound Revolving Loan Fund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Application through HomeSight Homebuyer Portal; first-come, first-served subject to fund availability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。