CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO)

CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) هو قرض قابل للإعفاء لمشتري المنازل في Statewide، Connecticut. Time To Own (TTO) is a forgivable second-mortgage down payment assistance program funded by the State of Connecticut and administered by CHFA on behalf of the Department of Housing. Eligible first-time homebuyers receive a 0% interest, non-amortizing loan of $3,000 to $25,000 with no monthly payment. Ten percent (10%) of the original principal is forgiven on each anniversary of loan closing, with the loan fully forgiven on the 10th anniversary. If the home is sold, refinanced (without subordination), or no longer the borrower's primary residence before year 10, any unforgiven balance must be repaid. Must be paired with a CHFA first mortgage and may be combined with the CHFA DAP loan. 0% interest, no monthly payment. 10% of the original principal is forgiven each year on the loan-closing anniversary. the loan is fully forgiven on the 10th anniversary. Loan amounts range from $3,000 up to $25,000. Funds may be used for down payment, closing costs, and pre-paids. Stackable with the CHFA DAP loan. يأتي التمويل من State، Bond وState General Fund.

يُعفى من CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) بعد 10 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, refinance (without approved subordination), or property no longer used as borrower's primary residence prior to the 10-year forgiveness period وonly the unforgiven balance is due. تُسجَّل المساعدة في مرتبة الرهن: 2nd Lien. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Federally designated targeted areas and qualified veterans may be exempt from the 3-year first-time-homebuyer requirement (per CHFA first-mortgage rules). بشأن الائتمان، ينص البرنامج على: 660 minimum FICO (per CHFA first-mortgage overlays). يلزم إكمال دورة لمشتري المنازل، عبر CHFA-approved Homebuyer Education / Pre-Purchase Counseling providers (HUD-approved housing counseling agencies). شرط الإقامة: Property must be located in Connecticut and used as the borrower's primary residence. الجنسية أو وضع الهجرة: U.S. citizen or qualified non-citizen (per CHFA first-mortgage requirements). Must qualify for and obtain a CHFA first mortgage from a CHFA-Participating Lender. Pre-purchase homebuyer education required. Borrower household income must be at or below program AMI thresholds (which differ from CHFA bond income limits). Borrowers at or below 80% AMI may receive up to $25,000; borrowers above 80% AMI but within program limits receive up to $25,000 with reduced match levels. Property must be in Connecticut and primary residence.

يحدد CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) دخل الأسرة بما لا يتجاوز $110,000. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) حدًا أقصى لسعر الشراء قدره $750,000. تشمل أنواع العقارات المؤهلة 1-4 unit owner-occupied, condominium, planned unit development (PUD), manufactured/mobile home (per CHFA program). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) مشتري المنازل الذين يشترون في Statewide، Connecticut. يستهدف البرنامج مناطق محددة: Federally designated targeted areas in Connecticut (per IRC Section 143) receive higher CHFA bond sales price and income limits and waive the first-time-homebuyer requirement. TTO assistance levels are based on HUD AMI Planning Regions, not target-area status.

تُقدَّم طلبات CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO) عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Reserved by CHFA-Participating Lender via CHFA's TTO Worksheet/lender portal at the time of first-mortgage reservation; subject to fund availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.