Down Payment Assistance Program (DPAP)

Down Payment Assistance Program (DPAP)是面向Parkersburg，West Virginia购房者的可免除贷款。 City of Parkersburg / Wood County HOME Consortium HUD HOME-funded DPAP forgivable second mortgage up to $14,999, 5-year forgiveness, 80% AMI. First-time homebuyers only. Wood County. City of Parkersburg / Wood County HOME Consortium Down Payment Assistance Program (DPAP) provides a deferred 0% forgivable second mortgage up to $14,999 for down payment and closing-cost assistance to first-time homebuyers in the City of Parkersburg and Wood County, WV. HUD HOME-funded. Forgiven over 5 years of continuous owner-occupancy (20% per year per HUD HOME 24 CFR 92.254 - assistance under $15K = 5-year affordability period). No monthly payment. If borrower sells/refinances/vacates within 5 years, unforgiven balance is due. 80% AMI limit ($37,900 1p - $71,450 8p per 2024-25 HUD AMI for Parkersburg-Vienna MSA). Purchase price up to $144,400 (HUD HOME 95% area median for Parkersburg-Vienna MSA). HUD-approved housing counseling required. Property must pass HQS inspection. 资金来自Federal和HOME。

Down Payment Assistance Program (DPAP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：0% deferred forgivable second mortgage. Forgiven 20% per year over 5 years of continuous owner-occupancy. Unforgiven balance due in full on sale, refinance, transfer, or non-owner-occupancy during 5-year affordability period. No monthly payment. 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。

Down Payment Assistance Program (DPAP)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：First-time homebuyer required (no primary residence ownership in past 3 years). Standard HUD HOME exception for displaced homemakers and single parents. 关于信用，该项目说明：620 minimum FICO typical (verify with first-mortgage lender). 须参加购房者教育课程，由HUD-approved housing counseling required. Local providers include Mid-Ohio Valley Regional Council and Homeownership Center Inc (HOC).提供。 居住要求：Property must be located in City of Parkersburg or Wood County, WV. 公民身份或移民身份：U.S. citizen or qualifying lawful permanent resident. First-time homebuyer (no primary residence ownership in past 3 years). Property must be located in City of Parkersburg or Wood County, WV. Owner-occupied primary residence. Income at or below 80% HUD AMI. Maximum 45% DTI. HUD-approved homebuyer education required. Minimum borrower contribution of $1,000 from own funds. Property must pass HQS inspection.

Down Payment Assistance Program (DPAP)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。 Household income at or below 80% HUD Area Median Income (AMI) for Parkersburg-Vienna MSA. 2024-25 limits: $37,900 (1p), $43,300 (2p), $48,700 (3p), $54,100 (4p), $58,450 (5p), $62,800 (6p), $67,100 (7p), $71,450 (8p). 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。

Down Payment Assistance Program (DPAP)将房价上限设为$144,400。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays. 新建房屋符合条件。 预制房屋不符合条件。

Down Payment Assistance Program (DPAP)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和遗属配偶。 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。

Down Payment Assistance Program (DPAP)服务于在Parkersburg，West Virginia购房的购房者。

Down Payment Assistance Program (DPAP)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Direct application to City of Parkersburg Department of Development. First-come, first-served subject to annual HOME 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。