Veterans Downpayment Assistance

Veterans Downpayment Assistance是面向Statewide，Washington购房者的延期第二贷款。 Veterans Downpayment Assistance is WSHFC's veteran-targeted DPA, providing up to $10,000 at 3% simple interest, deferred, exclusively to qualifying veterans, active-duty service members, reservists, National Guard members, and surviving spouses. Stackable with WSHFC Home Advantage or Opportunity first mortgages (and frequently combined with a VA-guaranteed first mortgage for maximum benefit). Up to $10,000 in down payment assistance for eligible Washington veterans (and active-duty military, reservists, and surviving spouses). Structured as a 3% 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. Open to qualifying veterans regardless of first-time homebuyer status when paired with Home Advantage. 资金来自WSHFC program funds (Veterans Trust Fund, partner contributions)。

Veterans 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。

Veterans 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：Not required to be a first-time homebuyer (when paired with Home Advantage); first-time-buyer rule applies if paired with House Key Opportunity in non-target area。 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)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 must be a qualifying veteran (honorably discharged), active-duty service member, reservist, member of the National Guard, or surviving spouse of a deceased veteran. Acceptable documentation includes DD-214, statement of service, or VA proof of service. Income at or below WSHFC's income limits (approximately $122,100-$157,100 by county). Must complete WSHFC Commission-Sponsored Homebuyer Education Seminar before signing purchase contract. Must use a Home Advantage or House Key Opportunity first mortgage (the WSHFC Veterans DPA is separate from VA-guaranteed loans, though the two can be combined; many borrowers use a VA first mortgage).

Veterans 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 limits range approximately $122,100 to $157,100 depending on county and household size, aligned with WSHFC Home Advantage / Opportunity tables. 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。

Veterans Downpayment Assistance的房价上限如下：Subject to first-mortgage program sales price limits (Home Advantage 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。

Veterans 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、遗属配偶和美洲印第安人和阿拉斯加原住民购房者。 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。

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

Veterans 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; veteran status documentation required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。