FHLBank Des Moines Home$tart Down Payment Program

FHLBank Des Moines Home$tart Down Payment Program是面向Statewide，Wyoming购房者的补助金，由Federal Home Loan Bank of Des Moines (via member institutions)管理。 Home$tart provides eligible first-time homebuyers a $15,000 grant for down payment and closing costs (plus up to $250 for homebuyer education), delivered by FHLB Des Moines member institutions in the Bank's district (which includes Wyoming). The grant is secured by a 5-year self-extinguishing deed restriction and forgiven pro rata over 60 months. $15,000 grant toward down payment and closing costs. Layerable. May be any lien position. 资金来自FHLB Des Moines Affordable Housing Program。

FHLBank Des Moines Home$tart Down Payment Program提供最高$15,000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Federal Home Loan Bank of Des Moines (via member institutions)决定。

FHLBank Des Moines Home$tart Down Payment Program属于补助金，因此无需偿还。 触发还款的情形：Sale, refinance, or loss of owner-occupancy within the 5-year deed-restriction term (forgiven pro rata over 60 months)。 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。

FHLBank Des Moines Home$tart Down Payment Program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：Has not owned a home in the last three years. 须参加购房者教育课程。 At or below 80% AMI; first-time homebuyer (no ownership in last 3 years); complete homebuyer education before closing; delivered through an FHLB Des Moines member bank.

FHLBank Des Moines Home$tart Down Payment 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。 At or below 80% of area median income by household size and county; includes all current and intended household members. 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。

FHLBank Des Moines Home$tart Down Payment Program可用于Single Family、Manufactured和2-4 Unit。 新建房屋符合条件。 预制房屋符合条件。

FHLBank Des Moines Home$tart Down Payment Program服务于在Statewide，Wyoming购房的购房者。

FHLBank Des Moines Home$tart Down Payment Program的申请通过Federal Home Loan Bank of Des Moines (via member institutions)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Reservations via DP Online (eAdvantage) by member bank prior to closing; 2026 round Jan 2 - Dec 31, 2026.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。