Home Bridgeport - First Time Home Buyer Down Payment Assistance Program

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في Bridgeport، Connecticut. Home Bridgeport is the City of Bridgeport's first-time homebuyer down-payment and closing-cost assistance program, administered by Building Neighborhoods Together (BNT), a HUD-certified Community Housing Development Organization (CHDO) and HUD-approved housing counseling agency. The program provides up to $25,000 as a forgivable second mortgage, using HUD HOME funds passed through the City of Bridgeport, to help income-qualified first-time buyers purchase 1-2 unit homes or FHA-approved condominiums located within Bridgeport city limits. Buyers must complete BNT's 8-hour homebuyer education class and contribute at least 1% of the purchase price from their own funds. Deed restrictions apply for 5-10 years depending on the assistance amount. Up to $25,000 in forgivable down-payment and closing-cost assistance for first-time homebuyers purchasing a 1-2 unit home or FHA-approved condo in the City of Bridgeport. Loan is secured by a forgivable second mortgage with deed restrictions of 5-10 years depending on the loan amount. No monthly payments and no interest. Layered with the buyer's first-mortgage product (fixed-rate only, no cash back at closing). يأتي التمويل من HOME، CDBG، Federal وLocal Government.

يُعفى من Home Bridgeport - First Time Home Buyer Down Payment Assistance Program بعد 10 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Forgivable second is forgiven over the 5-10-year affordability period (length depends on assistance amount) so long as the buyer occupies the home as primary residence وdue in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the deed-restriction period. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Must not have owned any residential real estate in the previous 3 years (true first-time buyer or 3-year displaced homeowner). بشأن الائتمان، ينص البرنامج على: 620 minimum FICO; no bankruptcy or foreclosure in past 3 years. يلزم إكمال دورة لمشتري المنازل، عبر Building Neighborhoods Together (BNT) - HUD-approved housing counseling agency; 8-hour First Time Homebuyer Pre-Purchase Certificate Class required. شرط الإقامة: Property must be located within the City of Bridgeport, CT, and be the buyer's primary residence for the duration of the affordability period. الجنسية أو وضع الهجرة: U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules. Property must be located in the City of Bridgeport and be a 1-2 unit home or FHA-approved condominium (new construction). Property value cannot exceed 95% of Bridgeport's median single-family home price. Buyer must not have owned residential real estate in the previous 3 years; must occupy as primary residence; must contribute at least 1% of the purchase price from own funds; must complete an 8-hour HUD-approved homebuyer education class with BNT; minimum FICO 620; no bankruptcy or foreclosure within the past 3 years; liquid assets capped at $10,000 (excess must be applied toward purchase). Housing/total-debt ratios capped at 35% / 45%. Fixed-rate first mortgage only and no cash back at closing. Deed restrictions apply 5-10 years depending on loan amount; buyer must live in the home as primary residence for the affordability period. Funds awarded first-come, first-served to eligible buyers under contract.

يحدد Home Bridgeport - First Time Home Buyer Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income must be at or below 80% HUD Area Median Income for the Bridgeport Metro Area: 1-person $71,650; 2-person $81,850; 3-person $92,100; 4-person $102,300; 5-person $110,500; 6-person $118,700; 7-person $126,900; 8-person $135,050. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Home Bridgeport - First Time Home Buyer Down Payment Assistance Program حدًا لسعر الشراء على النحو التالي: Property value cannot exceed 95% of the Bridgeport median single-family home price (HOME-program 95% rule); no fixed dollar cap published. تشمل أنواع العقارات المؤهلة Single-family detached، 2-unit (owner-occupied) وFHA-approved condominium (new construction). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Home Bridgeport - First Time Home Buyer Down Payment Assistance Program مشتري المنازل الذين يشترون في Bridgeport، Connecticut.

تُقدَّم طلبات Home Bridgeport - First Time Home Buyer Down Payment Assistance Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served via BNT once buyer is under contract; applicant must complete BNT intake form and homebuyer education before formal application. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.