February 1, 2024 • 6 mins
在旧金山湾区买房似乎是一项艰巨的任务, 尤其是当你正在努力攒够首付的时候. 首付是指当你用抵押贷款买房时,你要提前支付的金额, 通常在房价的3%到20%之间, depending on the type of loan and the lender. However, 你可能不必自掏腰包支付全部费用, 因为有很多项目和资源可以帮助你获得首付援助.
首付援助(DPA)是任何形式的经济援助,帮助你支付部分(或全部)首付和/或购买房屋所需的成交费用. DPA can come in different forms, such as grants, loans, tax credits, forgivable loans, deferred loans, shared equity, or shared appreciation. DPA也可以有不同的资格标准, such as income limits, credit score requirements, homebuyer education, occupancy rules and repayment terms.
首付款援助可以有不同的形式, such as grants, loans, tax credits, forgivable loans, deferred loans, shared equity, or shared appreciation.
您可以探索许多DPA程序的来源, such as federal, state, local, and nonprofit programs. 以下是加州湾区最常见和最受欢迎的DPA选择:
California Housing Finance Agency (CalHFA)
CalHFA是一个州立机构,通过批准的贷款人网络为加州的中低收入购房者提供各种贷款计划和DPA选择. Some of the DPA options include:
Additional local programs
也有许多地方项目为特定县的购房者提供DPA, cities, or neighborhoods in the Bay Area. Some of these programs include:
自置居所劳工资助计划: WISH计划由旧金山联邦住房贷款银行(FHLB SF)通过参与贷款机构网络提供,向符合条件的中低收入家庭提供高达29美元的4比1匹配赠款,172. WISH基金可用于支付首付款和购房成交费用. 该补助金为零利率,无需每月付款. If certain eligibility requirements are met, 五年后,该补助金可获得全额豁免.
Alameda County Down Payment Assistance Program: 该计划提供了一项延期付款贷款,最高可达购买价的15%,即75美元,(以较低者为准)以协助支付首付款及/或成交费用. 这笔贷款的利率为零,在房屋出售时到期, refinanced, transferred, or paid off. 该计划适用于低收入购房者,符合收入和财产要求,并使用传统的, FHA, VA, or USDA loan.
旧金山首付款援助贷款计划(DALP): 该计划提供了一项延期付款贷款,最高可达购买价格的15%,即375美元,(以较低者为准)以协助支付首付款及/或成交费用. 该贷款的单利率为3%,30年后或房屋出售时到期, refinanced, transferred, or paid off. 该计划适用于中等收入购房者,符合收入和财产要求,并使用传统的, FHA, VA, or USDA loan.
圣克拉拉县购房者赋权贷款计划(HELP): 该计划提供了一项延期付款贷款,最高可达购买价格的10%,即100美元,(以较低者为准)以协助支付首付款及/或成交费用. 该贷款的单利率为3%,30年后或房屋出售时到期, refinanced, transferred, or paid off. 该计划适用于低收入和中等收入的购房者,他们符合收入和财产要求,并使用传统的, FHA, VA, or USDA loan.
这些只是符合条件的购房者可以选择的DPA的一部分. 可能有更多的项目和资源适合你的特定需求和偏好. To learn more about DPA and how to apply for it, you can contact a local housing counselor, a real estate agent, or one of our Home Loan Consultants. 在一个可用项目的帮助下, 你可能会比你想象的更快地实现拥有住房的梦想.
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