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Funds used for construction of housing and downpayment assistance Keep it available, not buried Use of funds may be a grant or a grant + loan depending on how the project underwrites

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Debt to income up to 57% lending limit based on county & type of structure (sfh, duplex, triplex, etc) more protection for inability to repay The “a” refers to wood, rubbish, plastics and ordinary combustibles the “b” refers to paint, oil, grease, gasoline and flammable liquids the “c” refers to motors, electrical panels, and wiring 1 Mi entire life of the loan

Mortgage insurance drops off after 80% of original mortgage is paid

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