City of Wausau Down Payment Assistance Program

City of Wausau Down Payment Assistance Program是面向Wausau，Wisconsin购房者的需偿还的第二贷款，由City of Wausau Development Division (Community Development)管理。 The City of Wausau provides low-interest installment loans of $5,000 to $10,000 to help income-qualified buyers cover the down payment and/or closing costs of a single-family home within the city limits. The loan carries a fixed 2% interest rate, a 12-15 year term, and monthly payments. The final year of payments may be forgiven if all payments are made as agreed and a 5-year residency requirement is met. Applicants must be approved before writing an offer. Loan of $5,000-$10,000 for down payment and/or closing costs. Low fixed 2% interest rate. Final year may be forgiven if all payments made and 5-year residency met. Monthly payments approx $46.90-$64.35. 资金来自City of Wausau (CDBG / local program funds)。

City of Wausau Down Payment Assistance Program提供$5,000至$10,000的援助。 购房者自付部分：Borrower must contribute $1,000 toward the purchase and have an additional $500 in reserves ($1,500 total). 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 Wausau Development Division (Community Development)决定。

City of Wausau Down Payment Assistance Program是需偿还的第二贷款，按City of Wausau Development Division (Community Development)设定的条款偿还。 触发还款的情形：Monthly installments over 12-15 year term; balance due on sale, refinance, foreclosure, or if no longer primary residence. 该援助以2nd or 3rd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。

City of Wausau Down Payment Assistance Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Pre-Purchase Homebuyer Education & Counseling (HUD Certified Housing Counselor on city staff)提供。 Applicants MUST be approved BEFORE writing an offer; 90 days to provide an accepted offer (extensions possible). Soft-pull credit report ordered on all applicants. No outstanding judgments/collections that would supersede the City mortgage. GAPS (not stated): min credit score (no score on soft pull), max DTI, max purchase price, citizenship/residency requirement.

City of Wausau Down Payment Assistance Program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。 Gross household income within HUD 80% AMI limits effective 6/1/2026 by household size: 1=$58,050; 2=$66,350; 3=$74,650; 4=$82,900; 5=$89,550; 6=$96,200; 7=$102,800; 8=$109,450. Includes all members age 18+. 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。

City of Wausau Down Payment Assistance Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

City of Wausau Down Payment Assistance Program服务于在Wausau，Wisconsin购房的购房者。

City of Wausau Down Payment Assistance Program的申请通过City of Wausau Development Division (Community Development)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。