首付款援助 项目

Buying a home in the Bay Area can feel like a daunting task, especially if you are struggling to save enough money for a down payment. A down payment is the amount of money that you pay upfront when you buy a home with a mortgage loan, and it usually ranges from 3% to 20% of the home price, 这取决于贷款的类型和贷款人. 然而, you may not have to pay the full amount out of your own pocket, as there are many programs and resources that can help you with 首付款援助.

是什么 首付款援助?

Down payment assistance (DPA) is any form of financial aid that helps you cover some (or all) of the down payment and/or closing costs required to purchase a home. DPA可以有不同的形式, 例如补助金, 贷款, 税收抵免, 可免除贷款, 推迟贷款, 共享股权, 或者共同欣赏. DPA can also have different eligibility criteria, 比如收入限制, 信用评分要求, 购房教育, 入住规则和还款条款.

提示 & 事实

Down payment assistance can come in different forms, 例如补助金, 贷款, 税收抵免, 可免除贷款, 推迟贷款, 共享股权, 或者共同欣赏.

首付款援助计划 在加州

There are many sources of DPA programs that you can explore, 比如联邦政府, 状态, 当地的, 非营利项目. Here are some of the most common and popular DPA options available in the California Bay Area:
 
加州住房金融局(CalHFA)
CalHFA is a 状态 agency that offers various loan programs and DPA options through a network of approved lenders for low- and moderate-income homebuyers 在加州. 一些DPA选项包括:

• home援助计划: This program provides a deferred-payment junior loan of up to 3.5% of the purchase price or appraised value (whichever is lower) to assist with down payment and/or closing costs. 这笔贷款的单利为2.5% and is due when the home is sold, 再融资, 或者得到回报. The program is available for first-time homebuyers who meet the income and property requirements and use a CalHFA first mortgage loan.
• California Dream for All Shared Appreciation Loan: This program provides a down payment loan of up to 20% of the purchase price to assist with down payment and/or closing costs. The loan has a zero-interest rate and is due when the home is sold, 再融资, 或者得到回报. The borrower also agrees to share a portion of the appreciation in the value of the home with the 状态, 哪个在15%到20%之间, depending on the borrower’s income and the loan amount. The program is available for first-time homebuyers who meet the income and property requirements and use the Dream for All Conventional first mortgage loan.

 
其他本地节目
There are also many 当地的 programs that offer DPA to homebuyers in specific counties, 城市, 或者湾区的社区. 这些项目包括:
 
Workforce Initiative Subsidy for 首页ownership (WISH): The WISH Program is available from the Federal 首页 Loan Bank of San Francisco (FHLB SF) through a network of Participating Lenders and offers eligible low- to moderate-income households 4-to-1 matching grants of up to $29,172. WISH funds can be applied to downpayment and closing costs for the purchase of a home. The grant has a zero-interest rate and no monthly payments. 如果满足某些资格要求, the grant can be eligible for full forgiveness after five years.
 
Alameda County 首付款援助 Program: This program provides a deferred-payment loan of up to 15% of the purchase price or $75,000 (whichever is lower) to assist with down payment and/or closing costs. The loan has a zero-interest rate and is due when the home is sold, 再融资, 转移, 或者得到回报. The program is available for low-income homebuyers who meet the income and property requirements and use a conventional, 联邦住房管理局, VA, 或美国农业部贷款.
 
San Francisco Downpayment 援助 Loan Program (DALP): This program provides a deferred-payment loan of up to 15% of the purchase price or $375,000 (whichever is lower) to assist with down payment and/or closing costs. The loan has a 3% simple interest rate and is due in 30 years or when the home is sold, 再融资, 转移, 或者得到回报. The program is available for moderate-income homebuyers who meet the income and property requirements and use a conventional, 联邦住房管理局, VA, 或美国农业部贷款.
 
Santa Clara County 首页buyer Empowerment Loan Program (HELP): This program provides a deferred-payment loan of up to 10% of the purchase price or $100,000 (whichever is lower) to assist with down payment and/or closing costs. The loan has a 3% simple interest rate and is due in 30 years or when the home is sold, 再融资, 转移, 或者得到回报. The program is available for low- and moderate-income homebuyers who meet the income and property requirements and use a conventional, 联邦住房管理局, VA, 或美国农业部贷款.
 
These are just some of the DPA options available to eligible homebuyers. There may be more programs and resources that suit your specific needs and preferences. To learn more about DPA and how to apply for it, 你可以联系当地的住房顾问, 房地产经纪人, 或我们的房屋贷款顾问. With assistance from one of the available programs, you may be able to achieve your dream of homeownership sooner than you think.