First-Time Homebuyer Downpayment Assistance Loan Program

First-Time Homebuyer Downpayment Assistance Loan Program هو قرض قابل للإعفاء لمشتري المنازل في Salem، Massachusetts. The City of Salem First-Time Homebuyer Downpayment Assistance Loan Program (FTHB), administered by the Salem Department of Planning and Community Development (DPCD), provides 0% interest, deferred, forgivable second mortgages for low- and moderate-income first-time buyers purchasing a condo, single-family, or 2-4 unit home in Salem. Salem's program matches the buyer's down payment up to $6,500, with an additional $1,000 available to those who complete CHAPA homebuyer counseling, for a total maximum of $7,500. The loan is forgiven after 10 or 15 years of owner-occupancy (term depends on amount). Funded via HUD HOME, CDBG, and Community Preservation Act funds. Due to limited capacity, FY26 applicants are being placed on a waitlist. Up to $6,500 in matching down-payment assistance, plus an additional $1,000 for buyers who complete a CHAPA-certified homebuyer counseling course (total up to $7,500). Provided as a 0% interest, deferred, and forgivable second-mortgage loan, forgiven after 10 or 15 years of continuous owner-occupancy (term depends on assistance amount). يأتي التمويل من HOME، CDBG، CPA، Federal وLocal Government.

يُعفى من First-Time Homebuyer Downpayment Assistance Loan Program بعد 10 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Forgiven after 10 or 15 years of continuous owner-occupancy وunforgiven balance due upon sale, transfer, refinance with cash-out, or loss of owner-occupancy during the affordability period. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

First-Time Homebuyer Downpayment Assistance Loan Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time buyer required; single-parent and displaced-homeowner (divorce/legal separation) exceptions apply per Salem policy. بشأن الائتمان، ينص البرنامج على: Not formally published; lender minimums apply (typically 620+ for conforming/FHA). يلزم إكمال دورة لمشتري المنازل، عبر North Shore CDC، Harborlight Homes وother CHAPA-certified counseling agencies. شرط الإقامة: Property must be located in the City of Salem and used as the borrower's primary residence. الجنسية أو وضع الهجرة: U.S. citizen or eligible non-citizen per first-mortgage product and HUD HOME rules. First-time buyer required (no ownership in past 3 years); single-parent and divorced/legally-separated displaced homeowner exceptions per Salem policy. Buyer's liquid assets cannot exceed $50,000. Property must be located in the City of Salem and used as principal residence. Eligible properties include condominium, single-family, or 2-4 unit owner-occupied home. Matching funds required. Forgivable after 10 or 15 years (term depends on assistance amount). Apply via pre-qualification form to be placed on a waitlist; due to limited capacity all FY26 requests including emergencies are being placed on a waitlist. Program is funded with HUD HOME, CDBG, and Community Preservation Act funds.

يحدد First-Time Homebuyer Downpayment Assistance Loan Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income at or below 80% HUD AMI for Boston-Cambridge-Newton HMFA (FY2025): approx. 1-person $91,200 to 8-person $151,100. 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 First-Time Homebuyer Downpayment Assistance Loan Program حدًا أقصى لسعر الشراء قدره $1.0M. تشمل أنواع العقارات المؤهلة Single-family detached، Condominium و2-4 unit owner-occupied. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم First-Time Homebuyer Downpayment Assistance Loan Program مشتري المنازل الذين يشترون في Salem، Massachusetts.

تُقدَّم طلبات First-Time Homebuyer Downpayment Assistance Loan Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Pre-qualification form required; applicants placed on waitlist (FY26 waitlist active due to limited capacity). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.