Central Baltimore Homebuying Incentive Program

Central Baltimore Homebuying Incentive Program هو قرض قابل للإعفاء لمشتري المنازل في Baltimore، Maryland. $10,000 deferred (non-forgivable, 0%) second mortgage for buyers in 7 Central Baltimore neighborhoods (Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, Remington). 100% AMI cap. FTHB and repeat buyers. Administered by Central Baltimore Partnership. $10,000 down payment / closing cost assistance for buyers purchasing in seven Central Baltimore neighborhoods: Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, and Remington. Structured as a 0% interest DEFERRED loan (NOT forgivable) - principal is due in full upon sale, transfer, refinance (cash-out), or non-owner-occupancy. No monthly payment. Income limit up to 100% of Central Baltimore neighborhood median income (~$73,600 1-person to $153,300+ family of four/larger. LendSquawk seed range $81,300 1-person to $153,300 8-person). Open to first-time AND repeat buyers. Buyer must contribute $1,000+ of own funds. Homeownership counseling certificate from city-approved agency required. Stacks with Baltimore City First-Time Homebuyers Incentive Program and Maryland Mortgage Program. Administered by Central Baltimore Partnership (CBP). funded by foundation/state/city sources targeted to revitalize Central Baltimore corridor. يأتي التمويل من Foundation، Local Government وState.

يُعفى من Central Baltimore Homebuying Incentive Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Five-year forgivable loan ($10,000 East Harwood / $15,000 Midway). Prorated unforgiven balance due if owner-occupancy/primary-residence requirement is broken within the 5-year term; otherwise forgiven over 5 years. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Central Baltimore Homebuying Incentive Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: No CBP-published minimum; first-mortgage lender's product minimums apply. يلزم إكمال دورة لمشتري المنازل، عبر Baltimore City-approved homeownership counseling agencies (NHS of Baltimore, Druid Heights CDC, Belair-Edison, Southeast CDC, GO Northwest). شرط الإقامة: Property must be located in one of the seven eligible Central Baltimore neighborhoods and serve as primary residence. الجنسية أو وضع الهجرة: Per first-mortgage product rules. Property must be located in one of seven eligible Central Baltimore neighborhoods: Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, Remington. Owner-occupied primary residence. 100% Central Baltimore neighborhood median income cap. Buyer must complete homeownership counseling and obtain certificate from city-approved agency before making offer. $1,000 minimum buyer contribution. Repayment due in full on sale, transfer, refinance (cash-out), or non-owner-occupancy (NOT forgivable). Open to first-time and repeat buyers.

يحدد Central Baltimore Homebuying Incentive Program دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income at or below 100% of Central Baltimore neighborhoods' median income (~$73,600 individual / ~$105,100 family of four). LendSquawk seed range $81,300-$153,300 reflects scaled household-size limits up through 8-person. 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 Central Baltimore Homebuying Incentive Program حدًا لسعر الشراء على النحو التالي: No CBP-published purchase-price ceiling; subject to first-mortgage lending limits. تشمل أنواع العقارات المؤهلة Single-family detached، Townhome، Rowhouse وCondominium. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Central Baltimore Homebuying Incentive Program مشتري المنازل الذين يشترون في Baltimore، Maryland. يستهدف البرنامج مناطق محددة: TARGETED NEIGHBORHOODS: Eligible only for properties located in Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, or Remington (7 Central Baltimore corridor neighborhoods). Designed to spur revitalization in these specific areas.

تُقدَّم طلبات Central Baltimore Homebuying Incentive Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application processed through Central Baltimore Partnership; pre-approval required before closing. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.