Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)是面向Eau Claire县，Wisconsin购房者的延期第二贷款，由Eau Claire County Housing Authority管理。 No-interest, deferred-payment second-mortgage loans of up to $8,000 to eligible renters to obtain a first mortgage for home purchase, funded by HODAP, HCRI, HOME and CDBG through the State of Wisconsin DOA Division of Housing. Housing units must be located in Eau Claire County but outside the city limits of Eau Claire. A homebuyer rehabilitation loan can be paired with the DPA loan. Up to $8,000 toward down payment and closing costs; 0% interest, deferred-payment (silent) second mortgage; disbursed directly to lender at closing. 资金来自State of Wisconsin DOA Division of Housing — HODAP, HCRI, HOME and CDBG funds。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)提供最高$8,000的援助。 援助档次：Preference to households <50% AMI. Loan is deferred, 0% interest, repaid in full upon transfer of any interest in the property (other than to a spouse), if the home ceases to be the borrower's principal residence, or if the borrower fails to stay current on property taxes or maintain adequate insurance. No stated loan term (deferred until trigger). 购房者自付部分：Buyers <50% AMI must contribute at least $500 of their own funds; buyers 51-80% AMI must contribute at least $1,000. 该项目可与Homebuyer Housing Rehabilitation Loan (same agency)结合使用。 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Eau Claire County Housing Authority决定。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)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：Repaid in full if any interest in the property is transferred (other than to a spouse), the home ceases to be the borrower's principal residence, the household fails to stay current on property taxes, or fails to maintain adequate property insurance. 该援助以second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。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)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Eau Claire County Housing Authority pre-purchase education (real estate transactions & disclosures, purchase process, Fair Housing, insurance, budgeting, affordability).提供。 居住要求：Property must be in Eau Claire County but outside Eau Claire city limits.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)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。 Monthly income cannot exceed 80% of county median income; preference to families <50% AMI. Income limits effective March 2024 (subject to change): 50% AMI / 80% AMI by household size — 1: $34,800/$55,650; 2: $39,800/$63,600; 3: $44,750/$71,550; 4: $49,700/$79,500; 5: $53,700/$85,900; 6: $57,700/$92,250; 7: $61,650/$98,600; 8: $65,650/$104,950. 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。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)的房价上限如下：Total indebtedness in the property may not exceed 100% of fair market value at closing (no explicit purchase price cap stated). 符合条件的房屋类型包括single_family。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)服务于在Eau Claire县，Wisconsin购房的购房者。 目标社区：Eau Claire County excluding City of Eau Claire。

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)的申请通过Eau Claire County Housing Authority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。