南达科他州推出「Give Me Five」首付援助：首购者可获房贷额5%，自住满5年全额免还
Pierre——南达科他州州长拉里·罗登（Larry Rhoden）与南达科他住房机构（South Dakota Housing，SDH）10月13日宣布推出「Give Me Five」首付援助计划，帮助首次购房者在南达科他州购买首套住房。符合条件的首购者可获得相当于第一顺位房贷金额5%的首付援助。
这笔援助以第二顺位房贷形式发放，无需按月还款；购房者以该房屋为主要居所居住满5年、且持续符合计划各项要求后，第二顺位贷款可全额免还。
罗登表示：「每位南达科他州人都应有机会在本州建设坚实的未来。」他说，买房往往是这一进程中的重要一步，该计划连同南达科他州历史上最大规模的房产税减免，将使拥有住房更可负担，帮助州内居民扎根、养育家庭。
该计划定于2026年11月2日启动，限时提供。申请人须符合SDH首次购房计划的收入要求；购买位于南达科他州的主要居所；过去3年内未拥有住房；且所购房屋价格不超过41万美元。SDH执行主任查斯·奥尔森（Chas Olson）表示：「在当今充满挑战的住房市场，首次购房者需要一切可以得到的优势。」他称，该计划将成为帮助首购者克服可负担性障碍、实现购房的重要工具。
有意申请者须联系参与计划的贷款机构预约办理，参与机构名单可通过SDH官网查询。SDH由南达科他州立法机关于1973年设立，是一家自负盈亏的非营利住房机构，运用住房债券、税收抵免及其他联邦与州资源，为南达科他州居民提供房贷与首付援助、住房建设与修缮、无家可归预防、租金援助与教育机会等计划。
South Dakota Launches 'Give Me Five' Down Payment Assistance: 5% of First Mortgage for First-Time Buyers, Forgiven After Five Years
Pierre, S.D. — Governor Larry Rhoden and South Dakota Housing (SDH) on October 13 announced the launch of “Give Me Five,” a down payment assistance program to help first-time buyers purchase their first home in South Dakota. Eligible first-time buyers can receive assistance equal to 5% of their first mortgage amount toward a down payment.
The assistance is provided as a second mortgage with no monthly payments. After the buyer has lived in the home as a primary residence for five years and met all program requirements, the second mortgage is fully forgiven.
“Every South Dakotan should have the opportunity to build a strong future right here in our state,” Rhoden said, adding that buying a home is often a big part of that process and that the initiative, together with the largest property tax cut in South Dakota history, will make homeownership more affordable and help South Dakotans put down roots and raise their families.
The program launches on November 2, 2026, and will be offered for a limited time. Applicants must meet the income requirements of SDH's First-Time Homebuyer Program; purchase a primary residence in South Dakota; not have owned a home in the past three years; and purchase a home priced at $410,000 or less. “In today's challenging housing market, first-time homebuyers need every advantage they can get,” said Chas Olson, SDH's executive director, calling the program a valuable tool for helping buyers overcome affordability barriers.
To apply, participants must contact a participating lender to set an appointment; the list of participating lenders is available on the SDH website. South Dakota Housing was created by the South Dakota Legislature in 1973 as a self-supporting, nonprofit entity. It uses housing bonds, tax credits and other federal and state resources to fund programs providing mortgage and down payment assistance, housing construction and rehabilitation, homelessness prevention, rental assistance and educational opportunities.
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图片来源：南达科他州苏福尔斯历史街区（大教堂历史区）住宅街景（资料图）· AlexiusHoratius 摄，CC BY-SA 3.0（维基共享资源）
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