Seattle Housing Trust Fund

Seattle Housing Trust Fund是面向Seattle，Washington购房者的延期第二贷款。 HomeSight-administered Seattle Housing Trust Fund (Seattle Housing Levy / Office of Housing) shared-appreciation deferred-payment second mortgage for income-qualified first-time homebuyers purchasing in Seattle. Benefits from City Housing Levy property-tax revenue. City of Seattle Office of Housing / Housing Levy-funded purchase-assistance loan administered by HomeSight, providing deferred-payment shared-appreciation second mortgages to lower-income (typically <=80% AMI) first-time homebuyers purchasing within Seattle city limits. Loan amount need-based, typically up to $55,000. 资金来自City of Seattle Office of Housing / Seattle Housing Levy / Housing Trust Fund。

Seattle Housing Trust 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, cash-out refi, term end, 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。

Seattle Housing Trust 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：Displaced homemakers, single parents, disaster-displaced。 关于信用，该项目说明：Minimum middle FICO 620。 须参加购房者教育课程，由HomeSight Homebuyer Education; HUD-approved counseling agencies提供。 居住要求：Owner-occupied primary; property within City of Seattle。 公民身份或移民身份：U.S. citizen or qualified alien。 Property within City of Seattle limits. First-time homebuyer; complete HomeSight education + 1:1 counseling; minimum buyer contribution of $1,000; income at or below 80% Seattle-Bellevue HMFA AMI (~$77,700 1-person to $110,950 8-person); must remain owner-occupied during affordability period.

Seattle Housing Trust Fund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。 80% HUD AMI for Seattle-Bellevue HMFA; approximately $77,700 (1-person) to $110,950 (8-person) per 2024 HUD. 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。

Seattle Housing Trust Fund的房价上限如下：Per Seattle Housing Trust Fund / Office of Housing guidelines and first-mortgage product limits。 符合条件的房屋类型包括SFR, townhome, condo, 2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Seattle Housing Trust 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。

Seattle Housing Trust Fund服务于在Seattle，Washington购房的购房者。

Seattle Housing Trust 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HomeSight Homebuyer Portal; first-come, first-served subject to City 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。