Welcome Home Wyoming Down Payment Assistance

Welcome Home Wyoming Down Payment Assistance是面向Statewide，Wyoming购房者的延期第二贷款。 Statewide 30-year, 0%-interest second mortgage of up to 6% of purchase price toward down payment, closing costs, and prepaids. 640 FICO, 50% DTI, no minimum borrower investment. First-time and repeat homebuyers welcome; available for purchase and refinance. Welcome Home Wyoming Down Payment Assistance is the statewide DPA brand offering a 30-year, 0%-interest second mortgage of up to 6% of the purchase price toward down payment, closing costs, and/or prepaid items. Available to both first-time and repeat homebuyers (including refinance transactions) anywhere in Wyoming. No minimum borrower investment, no purchase-price cap, and county-specific income limits that apply uniformly across all household sizes. Pairs with 30-year fixed FHA, VA, USDA-RD, and Conventional (HFA Preferred / HFA Advantage) first mortgages. Additional benefits for conventional borrowers below 80% AMI. 资金来自State和Other。

Welcome Home Wyoming Down Payment Assistance按项目规定，提供相当于房价6%的援助。 购房者自付部分：No minimum borrower investment required. WHW DPA + first-mortgage product can fully cover the required cash to close in many cases. 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。

Welcome Home Wyoming Down Payment Assistance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：30-year second mortgage和balance due on sale, refinance, transfer of title, payoff of first mortgage, non-owner-occupancy, or 30-year maturity. No monthly payments required. 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。

Welcome Home Wyoming 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：640 minimum representative middle FICO across all WHW loan products. 须参加购房者教育课程，由WHW-approved homebuyer education required from a HUD-approved housing counseling agency or an approved online provider (Framework, eHome America, Finally Home!, or NeighborWorks-affiliated agency).提供。 居住要求：Property must be located in Wyoming and occupied as the borrower's principal residence within 60 days of closing. 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. Borrower must (1) have a representative middle FICO of at least 640, (2) qualify under the WHW income limit applicable to the property's county (limits uniform across all household sizes), (3) have a back-end DTI of 50% or less, and (4) complete an approved homebuyer education course prior to closing. Property must be the borrower's principal residence within 60 days of closing. Manual underwriting permitted in certain circumstances per Servicer and Agency guidelines.

Welcome Home Wyoming Down Payment Assistance将家庭收入限制在$138,320。 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。

Welcome Home Wyoming Down Payment Assistance的房价上限如下：There are NO purchase price limits within the Welcome Home Wyoming program. Loan amount limited only by Agency loan limits and borrower qualifying income. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Welcome Home Wyoming Down Payment Assistance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。

Welcome Home Wyoming Down Payment Assistance服务于在Statewide，Wyoming购房的购房者。 该项目针对特定区域：Higher-cost / targeted Wyoming counties (Albany, Laramie, Natrona, Sweetwater, Teton, etc.) qualify for elevated income limits ($138,320) versus the standard statewide $131,600 limit.

Welcome Home Wyoming 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Reserved by approved participating lender via the eHousingPlus reservation system at the time of rate lock.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。