City of La Crosse First-Time Homebuyer Down Payment Assistance Program

City of La Crosse First-Time Homebuyer Down Payment Assistance Program是面向La Crosse，Wisconsin购房者的补助金，由City of La Crosse, Community Development & Housing (Planning, Development & Assessment Dept.)管理。 ARPA-funded grant program helping first-time homebuyers purchase a home within the City of La Crosse achieve an affordable mortgage payment. Grant amount is tiered by household income (as a percentage of the purchase price) up to a maximum of $25,000. Grant up to 20% of purchase price for buyers at <=80% CMI; up to 15% for 81-100% CMI; up to 10% for 101-120% CMI. Maximum grant $25,000. 资金来自American Rescue Plan Act (ARPA)。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program提供最高$25,000的援助。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of La Crosse, Community Development & Housing (Planning, Development & Assessment Dept.)决定。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program属于补助金，因此无需偿还。 触发还款的情形：failure to maintain owner-occupancy during 5- or 10-year deed restriction period。 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。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程。 Must be a first-time homebuyer as defined by HUD. Home must be in the City of La Crosse. Maximum total cash assets of $25,000. Applicant must contribute $1,000 or 1% of purchase price (whichever is greater). Mortgage interest rate may not exceed 2% above the national average. Cannot be combined with other DPA grant or forgivable loan programs. Ineligible properties: land contracts, lease/rent-to-own, mobile homes, homes outside the City. 5-year owner-occupied deed restriction for grants $1-$15,000; 10-year for grants $15,001-$25,000.

City of La Crosse First-Time Homebuyer Down Payment Assistance Program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。 Household income at or below 120% of County Median Income (CMI); grant tier set by income band (<=80%, 81-100%, 101-120%). 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。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program将房价上限设为$267,000。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program服务于在La Crosse，Wisconsin购房的购房者。

City of La Crosse First-Time Homebuyer Down Payment Assistance Program的申请通过City of La Crosse, Community Development & Housing (Planning, Development & Assessment Dept.)办理，该机构在其网站上公布现行条款和申请步骤。 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。