Housing Preservation Program - Down Payment Assistance

Housing Preservation Program - Down Payment Assistance是面向Jackson，Wyoming购房者的增值共享贷款。 Up to $200,000 (or 20% of purchase price) in down payment assistance for qualified Teton County workforce households purchasing market-rate homes, in exchange for a permanent Workforce Ownership deed restriction with a 3% annual appreciation cap. Strict local-employment and residency requirements; no first-time-homebuyer requirement. The Housing Preservation Program preserves market-rate homes for the local Teton County workforce by providing substantial down payment assistance in exchange for a permanent Workforce Ownership deed restriction. Qualified workforce households may receive up to $200,000 (or up to 20% of the purchase price, whichever is less) toward purchasing a market home in Teton County. The recorded deed restriction caps annual price appreciation at 3% per year, ensuring the home remains attainable for future workforce buyers. The program is one of the most generous DPA programs in the United States, reflecting Teton County's status as the highest-priced housing market in the Mountain West (median sale prices regularly exceed $3,000,000 in 2025-2026). 资金来自Local和Other。

Housing Preservation Program - Down Payment Assistance按项目规定，提供相当于房价20%的援助。 购房者自付部分：Borrower contribution determined by first-mortgage lender; the Preservation Program DPA may cover up to 20% of purchase price, allowing some borrowers to close with minimal personal funds. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Housing Preservation Program - Down Payment Assistance是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：DPA balance is functionally repaid through the deed-restricted resale-price formula (3% annual appreciation cap) when the household sells the home. Triggers include sale, transfer of title, end of owner-occupancy, or violation of the workforce-occupancy covenant. 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。

Housing Preservation Program - Down Payment Assistance面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No program-mandated minimum FICO; credit qualifying determined by the first-mortgage lender (typically 620+ for conventional, 580+ for FHA). 须参加购房者教育课程，由Teton County Housing Authority requires a homebuyer counseling/education session and a Preservation Program orientation before closing. The Housing Department conducts orientations directly; private counseling is also accepted from Wyoming Housing Network and HUD-approved national online providers.提供。 居住要求：Property must be located in Teton County, Wyoming and serve as the household's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. Strict workforce eligibility: (1) at least one household member must work a minimum of 1,560 hours per year (~30 hrs/wk) for a Local Business operating physically in Teton County; (2) the household must earn at least 75% of its total income from local sources; (3) NO household member may own other residential real estate within 150 miles of Teton County; (4) the home must be occupied as the household's principal residence; (5) the household must record a permanent Workforce Ownership deed restriction at closing capping resale appreciation at 3% per year. The seed-listed income range $186,340-$351,384 represents the program's typical 160%-200% AMI workforce target band (Teton County 2025 HUD AMI for 4-person household is approximately $175,800; 200% AMI ~ $351,384). Per the Housing Department: 'There is NOT an income or asset limit for Workforce homes,' but underwriting and program-pool prioritization use these AMI bands.

Housing Preservation Program - Down Payment Assistance将家庭收入限制在地区收入中位数的200%，该数值因县和家庭人数而异。 There is NOT a hard income or asset limit for Workforce-deed-restricted homes under the Preservation Program. The seed range $186,340-$351,384 reflects the typical 160%-200% AMI band the program targets in Teton County (HUD 2025 4-person AMI ~$175,800). Updated income limits are published annually on tetoncountywy.gov/1456/Income-Asset-Limit-Chart and reflected the 6.31% AMI increase HUD announced for Teton County in the 2025 update. 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。

Housing Preservation Program - Down Payment Assistance的房价上限如下：No formal program purchase-price cap; in practice, properties priced above $3M-$5M may exceed conventional/jumbo qualifying for typical workforce incomes. Median Teton County sale prices were ~$3,000,000+ in 2025. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD within Teton County, Wyoming. Must be a market-rate home (NOT already deed-restricted under another program). 新建房屋符合条件。 预制房屋不符合条件。

Housing Preservation Program - Down Payment Assistance服务于在Jackson，Wyoming购房的购房者。

Housing Preservation Program - Down Payment Assistance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 the Jackson/Teton County Affordable Housing Department; applicants enter the Preservation Program pre-approval queue. Once pre-approved, applicants have a defined window to identify and place under contract a qualifying market home.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。