Newberry Affordable Homeownership Program (Down Payment Assistance)

Newberry Affordable Homeownership Program (Down Payment Assistance) هو قرض قابل للإعفاء لمشتري المنازل في Detroit، Michigan، وتديره MiSide Community Impact Network (formerly Southwest Solutions / Southwest Economic Solutions). A place-based affordable homeownership program by MiSide (formerly Southwest Solutions) converting 60 former LIHTC rental homes in the Newberry/Chadsey-Condon area of SW Detroit to owner-occupancy. All buyers receive down payment assistance, and eligible buyers receive up to $20,000 as a conditional grant forgiven after five years of owner-occupancy. Homes sell for about $69,000 on 15-year mortgages, with required free homebuyer education; current Newberry renters get priority. Up to $20,000 forgivable DPA grant. Below-market ~$69,000 purchase price on a 15-year mortgage. Free homebuyer education and credit/financial counseling. يأتي التمويل من Private philanthropy - $2.5M Sam L. and Judith G. Yaker Fund, plus an anonymous $100,000 gift and an HBA Charitable & Educational Foundation grant. Not federal HOME/CDBG.

يقدم Newberry Affordable Homeownership Program (Down Payment Assistance) مساعدة تصل إلى $20,000. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ MiSide Community Impact Network (formerly Southwest Solutions / Southwest Economic Solutions) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Newberry Affordable Homeownership Program (Down Payment Assistance) بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, refinance, or loss of owner-occupancy before completion of the 5-year residency period; fully forgiven after 5 years of owner-occupancy. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Newberry Affordable Homeownership Program (Down Payment Assistance) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر MiSide (formerly Southwest Solutions) HUD-approved, MSHDA-certified Homebuyer Education; online ehome America course accepted as equivalent. شرط الإقامة: Program limited to the Newberry community, an 8-block area in the Chadsey-Condon neighborhood of southwest Detroit; current renters get priority. LOAN TERM: conditional/forgivable DPA up to $20,000, 0% interest, no monthly payments, secured by a recorded lien; forgiven after 5 years of continuous owner-occupancy; recapture if borrower sells/refinances/vacates before 5 years. Buyers purchase one of 60 specific Newberry homes (~$69,000) on a 15-year mortgage. Funded entirely by private philanthropy (not federal). Distinct from the City of Detroit DPA (National Faith Homebuyers).

يحدد Newberry Affordable Homeownership Program (Down Payment Assistance) حد الدخل على النحو التالي: Targeted to low- and moderate-income families; the 60 Newberry homes were originally LIHTC affordable rental housing; current renters get priority. Specific thresholds not published. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Newberry Affordable Homeownership Program (Down Payment Assistance) حدًا أقصى لسعر الشراء قدره $69,000. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء غير مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Newberry Affordable Homeownership Program (Down Payment Assistance) مشتري المنازل الذين يشترون في Detroit، Michigan. يستهدف البرنامج مناطق محددة: 60 former LIHTC rental single-family homes in the Newberry area of Chadsey-Condon, SW Detroit, transitioning to owner-occupancy. الأحياء المستهدفة: Newberry community (8-block area), Chadsey-Condon, southwest Detroit.

تُقدَّم طلبات Newberry Affordable Homeownership Program (Down Payment Assistance) عبر MiSide Community Impact Network (formerly Southwest Solutions / Southwest Economic Solutions)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.