HomeSTL Homebuyer Assistance Program

HomeSTL Homebuyer Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في St. Louis، Missouri، وتديره St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company. HomeSTL is a down payment and closing-cost assistance program run by the St. Louis Development Corporation (with the City of St. Louis CDA as funder/lender) for credit-qualified first-time homebuyers at or below 80% AMI purchasing a primary residence within the City of St. Louis. Assistance is a 0%-interest forgivable second mortgage of up to $40,000, or up to $50,000 if the home is in a HUD Qualified Census Tract. Funds may be applied to down payment, closing costs, a permanent interest-rate reduction, prepaids, or principal reduction (no cash back). The loan is forgiven on a prorated annual basis over a 5-, 10-, or 15-year affordability period depending on the assistance amount. Up to $50,000 in assistance. 0% interest, no monthly payments. Forgivable (prorated annual forgiveness). Usable for down payment, closing costs, rate buydown, prepaids or principal reduction. No purchase price or loan amount limit. Extra Location Incentive in HUD Qualified Census Tracts. يأتي التمويل من ARPA Coronavirus State & Local Fiscal Recovery Funds (SLFRF) passed through City of St. Louis CDA to SLDC (U.S. Treasury award 21.027).

يقدم HomeSTL Homebuyer Assistance Program مساعدة تتراوح بين $1,000 و$50,000. فئات المنحة: Forgiveness term scales with assistance amount: $1,000-$14,999 = 5-year affordability period; $15,000-$40,000 = 10-year; $40,001-$50,000 (with Location Incentive in HUD Qualified Census Tracts) = 15-year. Prorated annual forgiveness from closing date. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من HomeSTL Homebuyer Assistance Program بعد 15 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند During the affordability period, the prorated unforgiven balance is due upon sale or transfer, failure to occupy as principal residence, conversion to rental, refinance without prior written CDA approval, or other default. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

HomeSTL Homebuyer Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. تعني عبارة "مشتري منزل لأول مرة" عادةً عدم امتلاك منزل خلال السنوات الثلاث الماضية، لكن البرنامج يضع تعريفه الخاص. بشأن الائتمان، ينص البرنامج على: Not set by the program; determined by the first-mortgage lender / loan agency. يلزم إكمال دورة لمشتري المنازل، عبر HUD-approved Missouri housing counseling agencies (minimum 8 hours); all persons on title must complete. شرط الإقامة: Subject property must be located within the City of St. Louis city limits. First-time buyer (no ownership in prior 3 years, including non-purchasing spouse); household income at or below 80% AMI; owner-occupy within 60 days of closing; HUD-approved homebuyer education (8+ hours); 30-year fixed FHA/VA/Conventional first mortgage; reservation made through SLDC via an approved lender. NOTE for reviewer: program reportedly reopened ~June 2026 with $1M ARPA funds (St. Louis American, 2026-06-09); verify current reservation availability before publishing, as the program had previously paused after funds were fully reserved. Forgiveness term discrepancy: official guidelines (7/8/2025) specify 5/10/15-year tiers; consumer fact sheet states 'up to 10 years' - confirm before publishing.

يحدد HomeSTL Homebuyer Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income at or below 80% AMI for the St. Louis HUD area, effective 05/01/2026. By household size: 1: $63,600; 2: $72,650; 3: $81,750; 4: $90,800; 5: $98,100; 6: $105,350; 7: $112,600; 8: $119,900. 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 HomeSTL Homebuyer Assistance Program حدًا لسعر الشراء على النحو التالي: No purchase price or loan amount limit set by the program; follows first-mortgage loan-agency limits. تشمل أنواع العقارات المؤهلة Single Family، Condo، Townhouse وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم HomeSTL Homebuyer Assistance Program مشتري المنازل الذين يشترون في St. Louis، Missouri.

تُقدَّم طلبات HomeSTL Homebuyer Assistance Program عبر St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company، 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.