Settlement Expense Loan Program (SELP)/Closing Cost Program

Settlement Expense Loan Program (SELP)/Closing Cost Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Baltimore، Maryland. Baltimore County's flagship closing-cost DPA: up to $10,000 deferred 15-year-forgivable second for first-time buyers in Community Conservation Areas. 0% interest, no monthly payment. 80% AMI, 5%-of-gross-income buyer contribution. Administered through partner counseling agencies. Up to $10,000 deferred forgivable closing-cost loan from Baltimore County Department of Housing & Community Development for first-time homebuyers purchasing in Baltimore County's designated Community Conservation Areas. Structured as a 0% interest deferred loan, FORGIVEN after 15 YEARS of continuous owner-occupancy as principal residence (full $10,000 due if sold/transferred/defaulted before end of 15-year affordability period). 80% area median income cap (adjusted for household size). First-time homebuyer required (no primary residence in past 3 years). Borrower must have liquid cash equal to 5% of GROSS household income to contribute toward purchase. Administered through Baltimore County's affiliated housing counseling agencies (Diversified Housing Development Inc., GO Northwest, etc.). Pairs with Maryland Mortgage Program (MMP) and other FHA/VA/USDA/conventional first mortgages. يأتي التمويل من Federal CDBG، Federal HOME وLocal Government.

يُعفى من Settlement Expense Loan Program (SELP)/Closing Cost Program بعد 15 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند 15-year forgiveness if owner-occupied as principal residence throughout the 15-year affordability period. If sale/transfer of title/default before end of 15 years, FULL $10,000 becomes due. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Settlement Expense Loan Program (SELP)/Closing Cost Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Standard 3-year FTHB lookback; HUD displaced-homemaker / single-parent exceptions. بشأن الائتمان، ينص البرنامج على: No SELP-published minimum; first-mortgage lender's product minimums apply. يلزم إكمال دورة لمشتري المنازل، عبر Baltimore County-affiliated HUD-approved housing counseling agencies: Diversified Housing Development, Inc.; GO Northwest Housing Resource Center; St. Ambrose Housing Aid Center; NHS of Baltimore (also serves county clients). شرط الإقامة: Property must be in Baltimore County's designated Community Conservation Areas and serve as primary residence. الجنسية أو وضع الهجرة: Per first-mortgage product rules. First-time homebuyer (no primary residence ownership in past 3 years; HUD displaced-homemaker / single-parent exceptions). Property must be located in Baltimore County's designated Community Conservation Areas (CCAs - older, established communities targeted for revitalization; map available from Baltimore County DHCD/Planning). 80% area median income cap (HUD limits, by household size). Owner-occupied primary residence. Buyer must contribute cash equal to 5% of gross annual household income. 15-year affordability period (forgivable if owner-occupied throughout). $10,000 maximum loan. Pre-purchase counseling certificate from Baltimore County-affiliated agency required.

يحدد Settlement Expense Loan Program (SELP)/Closing Cost Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income at or below 80% area median income (HUD), adjusted for household size. Baltimore County uses Baltimore-Towson HMFA limits. 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 Settlement Expense Loan Program (SELP)/Closing Cost Program حدًا لسعر الشراء على النحو التالي: No SELP-published purchase-price ceiling; subject to first-mortgage limits and MMP purchase-price limits if MMP-paired. تشمل أنواع العقارات المؤهلة Single-family detached، Townhome، Rowhouse وCondominium. المنازل حديثة البناء غير مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Settlement Expense Loan Program (SELP)/Closing Cost Program مشتري المنازل الذين يشترون في مقاطعة Baltimore، Maryland. يستهدف البرنامج مناطق محددة: TARGETED AREAS: Baltimore County's designated Community Conservation Areas (CCAs) - older, established communities targeted for revitalization. Includes Dundalk, Essex/Middle River, Catonsville, Lansdowne, Arbutus, Towson core, Pikesville, Randallstown, Woodlawn (older sections), etc. CCA map available from Baltimore County DHCD/Planning.

تُقدَّم طلبات Settlement Expense Loan Program (SELP)/Closing Cost Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application processed through Baltimore County-affiliated housing counseling agency. First-come, first-served 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.