WCDA Home$tretch DPA Loan Product

WCDA Home$tretch DPA Loan Product是面向Statewide，Wyoming购房者的延期第二贷款，由Wyoming Community Development Authority (WCDA)管理。 Home$tretch is WCDA's deferred-payment down payment assistance (DPA) loan product. It covers down payment, closing costs, and prepaids with a 0% interest second mortgage of up to $15,000. There are no monthly payments; the loan is due upon sale, refinance, or 30-year maturity. It is paired only with WCDA's Standard First-Time Homebuyer and Spruce Up first mortgages, distinguishing it from the cataloged WCDA Amortizing DPA product. 0% interest. No monthly payment. Up to $15,000. Only $1,500 minimum borrower contribution (may be a gift). Repayment deferred until sale, refinance, or 30-year maturity. 资金来自WCDA (Housing Finance Agency; raises capital via tax-exempt mortgage revenue bonds; receives no state funding).

WCDA Home$tretch DPA Loan Product提供最高$15,000的援助。 援助档次：WCDA offers two DPA products: (1) Home$tretch (0% deferred, this record), used only with Standard FTHB and Spruce Up; and (2) Amortizing DPA (fixed-rate, up to 10-yr term), used only with HFA Preferred or Advantage. 该项目要求购房者自付$1,500 minimum borrower contribution required (may be a gift). 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Wyoming Community Development Authority (WCDA)决定。

WCDA Home$tretch DPA Loan Product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：Due upon sale of the home, refinance, or 30-year maturity (no monthly payments). 该援助以Second mortgage / subordinate 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。

WCDA Home$tretch DPA Loan Product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：Tied to the Standard FTHB product (no ownership interest in a principal residence in last 3 years); FTHB requirement may be waived for honorably discharged Veterans and in designated targeted census tracts in Albany and Natrona counties. 关于信用，该项目说明：620 minimum FICO score。 须参加购房者教育课程，由Wyoming Housing Network, Inc. (online class plus one-on-one counseling; register at www.whninc.org); fee applies.提供。 DISTINCT from the cataloged 'WCDA Amortizing DPA Loan Product'. Minimum 620 FICO; $1,500 minimum borrower contribution; homebuyer education via Wyoming Housing Network required; must meet the paired first mortgage's purchase price and income limits; owner-occupied principal residence.

WCDA Home$tretch DPA Loan Product的收入限制如下：Tied to the first mortgage total family household income limits (vary by county and family size per IRS rules). As of 6/16/2025: most counties $99,300 (size 1-2)/$114,195 (size 3+); higher in Campbell, Lincoln, Sheridan, Sublette, Sweetwater, Albany, Converse, Crook, Uinta, Weston, Park; Teton highest at $169,800/$198,100; targeted census tracts (Laramie TC 4.03, Natrona TC 2) $119,160/$139,020. 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。

WCDA Home$tretch DPA Loan Product将房价上限设为$544,232。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋符合条件。

WCDA Home$tretch DPA Loan Product在其服务群体中提到了退伍军人。 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。

WCDA Home$tretch DPA Loan Product服务于在Statewide，Wyoming购房的购房者。

WCDA Home$tretch DPA Loan Product的申请通过Wyoming Community Development Authority (WCDA)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。