City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program

City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program هو قرض قابل للإعفاء لمشتري المنازل في Charleston، South Carolina، وتديره City of Charleston Department of Housing and Community Development. The City of Charleston Homeownership Initiative (HI) creates affordable homeownership for low- and moderate-income first-time buyers and supports neighborhood revitalization. The City acquires and transfers properties to housing development partners that build or rehabilitate homes for sale to income-eligible buyers. Down payment and closing cost assistance is available as a zero-interest deferred forgivable loan; City funds are carried through long-term restrictive covenants governing resale value, while partner-agency funds may be secured by a 5- to 10-year note and mortgage. Households earn 50%-120% AMI, must not have owned a home in three years, and must occupy as a primary residence. City-developed homes carry a 90-year affordability covenant. Down payment and closing cost assistance. Zero-interest deferred forgivable loan. Access to newly built or rehabilitated affordable homes. Priority for residents of targeted revitalization neighborhoods. Homebuyer education and counseling. يأتي التمويل من Federal (City of Charleston CDBG/HOME funds) and partner-agency funds.

يُعفى من City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program بعد 20 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Failure to occupy/retain the home as primary residence for the required period; buyer may repay a portion of the original loan. City funds also governed by long-term restrictive covenants on resale value. تُسجَّل المساعدة في مرتبة الرهن: Subordinate. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Not owned a home in the past three years; exceptions for displaced homemaker, divorced single individual/parent no longer owning, and owner of a property not meeting codes. بشأن الائتمان، ينص البرنامج على: Must qualify for the first mortgage and pass a background check; no specific minimum credit score published. يلزم إكمال دورة لمشتري المنازل، عبر OriginSC (Homeownership Resource Center); Charleston Trident Urban League. شرط الإقامة: Home within the city limits of Charleston; first priority to current/former residents of five target neighborhoods. Zero-interest deferred forgivable DPA; City funds carried through long-term restrictive covenants determining resale value (City-developed homes carry a 90-year covenant); partner-agency funds may be secured by a 5- to 10-year note and mortgage. Buyer may owe repayment of a portion of the loan if occupancy/retention conditions are not met. First-time homebuyer (no ownership in 3 years), primary residence, background check, and ability to qualify for the first mortgage required. Exceptions to the 3-year rule: displaced homemaker; divorced single individual/parent no longer owning; owner of a property not meeting codes. Priority to current/former residents of five target neighborhoods. Homebuyer education via OriginSC or Charleston Trident Urban League; apply via Neighborly portal.

يحدد City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income between 50% and 120% AMI for the Charleston-North Charleston-Summerville MSA by household size. Per City FY2025-2026 limits, 120% AMI = $133,080 (4-person); 100% AMI = $110,900 (4-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.

يمكن استخدام City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program لـSingle Family. المنازل حديثة البناء مؤهلة.

يخدم City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program مشتري المنازل الذين يشترون في Charleston، South Carolina. يستهدف البرنامج مناطق محددة: First priority to current and former residents of five identified target/revitalization neighborhoods within the City of Charleston.

تُقدَّم طلبات City of Charleston Homeownership Initiative (HI) - First-Time Homebuyer Program عبر City of Charleston Department of Housing and Community Development، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications via the Neighborly online portal. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.