Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Cumberland، Pennsylvania، وتديره The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities). A county-funded first-time homebuyer down payment and closing cost assistance program providing up to $5,000 (up to $3,000 for 80-100% AMI; up to $5,000 below 80% AMI) as a five-year, no-interest, forgivable second-mortgage loan, matching the buyer's contribution 3-to-1. Applicants must have lived or worked in Cumberland County for six months, be a first-time homebuyer, have a 620+ credit score, complete homebuyer education, hold no more than $30,000 in assets after settlement, and purchase a single-family home in Cumberland County. Up to $5,000 in DP/closing cost assistance. No interest, no monthly payments. Fully forgiven after 5 years. 3-to-1 match on buyer contribution. No maximum purchase price. يأتي التمويل من County of Cumberland (administered via the Redevelopment Authority of Cumberland County); awards each year depend on the annual allocation.

يقدم Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program مساعدة تصل إلى $5,000. فئات المنحة: 80-100% of County Median Income: up to $3,000. Below 80% of County Median Income: up to $5,000. مساهمة مشتري المنزل: Buyer must contribute their own funds matched 3-to-1 (program provides $3 per $1 of buyer funds); match capped at $3,000 (80-100% AMI) or $5,000 (below 80% AMI). المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, or loss of owner-occupancy before the 5-year forgiveness term completes; 1/60 forgiven per month. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time = never owned a home; owned a mobile home but not the land; displaced homemaker; or not owned a home within the last three years. بشأن الائتمان، ينص البرنامج على: Credit score of 620 or higher with lender documentation. يلزم إكمال دورة لمشتري المنازل، عبر Any HUD-approved Housing Counseling agency; certificate of completion required prior to settlement. شرط الإقامة: Must have lived or worked in Cumberland County for at least six months. PROGRAM STATUS: official program page (modified 2026-05-27) states the program CLOSES TO NEW APPLICATIONS EFFECTIVE JULY 1, 2026; active and accepting applications as of the research date (2026-06-15). Upon approval, applicant has up to 6 months to close. Detailed guidelines/application/grant-agreement PDFs are linked on the program page but cached copies returned mismatched documents; values are from the official HTML program page only. Max DTI, citizenship, new-construction/HOA/flood-zone, and loan-mechanics fields not specified (null).

يحدد Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program دخل الأسرة بما لا يتجاوز 100% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. 2026 income limits (gross annual household income not to exceed 100% AMI): 1: 80%=$61,250/100%=$76,600; 2: $70,000/$87,500; 3: $78,750/$98,400; 4: $87,450/$109,300; 5: $94,450/$118,100; 6: $101,450/$126,800; 7: $108,450/$135,600; 8: $115,450/$144,300. 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 Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program حدًا لسعر الشراء على النحو التالي: No maximum purchase price; eligible applicants may purchase single-family homes of any price in Cumberland County. تشمل أنواع العقارات المؤهلة Single-family detached، Manufactured home (HUD code, permanently affixed) وModular/factory-built housing. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program مشتري المنازل الذين يشترون في مقاطعة Cumberland، Pennsylvania.

تُقدَّم طلبات Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program عبر The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications accepted year-round; funds reserved first-come, first-served subject to availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.