Housing Development Corp. of Rock Hill First Time Home Buyer Program

Housing Development Corp. of Rock Hill First Time Home Buyer Program هو قرض قابل للإعفاء لمشتري المنازل في Rock Hill، South Carolina. The Housing Development Corporation of Rock Hill (HDC), the affiliated nonprofit housing entity for the City of Rock Hill, runs a First-Time Home Buyer (FTHB) Program providing certified homebuyer education, one-on-one counseling, and up to $7,500 in down-payment and closing-cost assistance for income-eligible first-time buyers purchasing within Rock Hill city limits. Assistance is structured as a forgivable second mortgage that is forgiven over a 5-year affordability period (with longer terms for layered fund sources up to 20 years). The City of Rock Hill funds and supports HDC; programs are funded through CDBG, HOME, City of Rock Hill housing funds, and partner sources. Up to $7,500 in down-payment and closing-cost assistance for first-time homebuyers purchasing within City of Rock Hill city limits. Assistance is a forgivable second mortgage forgiven in increments annually over a 5-year period (program also offers 5-20 year forgiveness terms depending on layered funding source). Includes certified First-Time Home Buyer education class plus one-on-one housing counseling at no cost. يأتي التمويل من CDBG, HOME, City of Rock Hill housing funds; HUD Federal and Local.

يُعفى من Housing Development Corp. of Rock Hill First Time Home Buyer Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale of home, transfer of title, conversion to non-residential use, or failure to maintain as primary residence within the 5-year affordability period triggers repayment of the unforgiven balance. After year 5 the lien is released. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Housing Development Corp. of Rock Hill First Time Home Buyer 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: Minimum FICO of 620. يلزم إكمال دورة لمشتري المنازل، عبر Housing Development Corporation of Rock Hill (HDC) certified First-Time Home Buyer Class (offered both in-person and online); covers budgeting, mortgage loans, real estate transactions, and DPA programs. Required to qualify for assistance. Plus one-on-one credit, budget, and home-purchase counseling. شرط الإقامة: Property must be located within the corporate limits of the City of Rock Hill, SC. Must be first-time homebuyer (no homeownership in past 3 years). Must complete the HDC First-Time Home Buyer Class. Property must be located within City of Rock Hill city limits and serve as primary residence. Minimum credit score of 620. Debt-to-income ratio below 57%. Reserves equal to at least 1.5% of the home price required. Household income below 80% AMI. Funding limited and provided on first-come, first-served basis.

يحدد Housing Development Corp. of Rock Hill First Time Home Buyer Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income must be at or below 80% AMI for the Rock Hill / Charlotte-Concord-Gastonia metro area (York County, SC), FY2025: 1p $59,400; 2p $67,900; 3p $76,400; 4p $84,850; 5p $91,650; 6p $98,450; 7p $105,250; 8p $111,950. 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 Housing Development Corp. of Rock Hill First Time Home Buyer Program حدًا لسعر الشراء على النحو التالي: No published maximum purchase price; assistance amount is fixed and limited to $7,500. تشمل أنواع العقارات المؤهلة Newly constructed or existing single-family homes، condominiums and townhomes وmodular homes on a permanent foundation. All within Rock Hill city limits and used as primary residence. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Housing Development Corp. of Rock Hill First Time Home Buyer Program مشتري المنازل الذين يشترون في Rock Hill، South Carolina.

تُقدَّم طلبات Housing Development Corp. of Rock Hill First Time Home Buyer Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application submitted to HDC after completion of First-Time Home Buyer class and one-on-one counseling. Pre-screening application available online. Funding first-come, first-served. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.