Richland County Home Ownership Assistance

Richland County Home Ownership Assistance هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Richland، South Carolina. The Richland County Home-ownership Assistance Program (RCHAP), administered by the Richland County Community Development Office, provides down-payment and closing-cost assistance (or principal reduction) of up to $24,500 to income-eligible first-time homebuyers purchasing single-family detached homes built after 1978 in unincorporated Richland County. Funded by HUD HOME Investment Partnerships. The deferred forgivable second mortgage requires the buyer to live in the home as primary residence for 5 years; if the home is sold or no longer owner-occupied within that period, the assistance is repaid on a pro-rated basis. Buyers must attend a mandatory monthly orientation workshop to receive the application. Deferred forgivable second-mortgage loan of up to $24,500 to assist with down payment and/or closing costs (or principal reduction) for income-eligible first-time homebuyers purchasing in unincorporated Richland County. 5-year affordability period. loan is fully forgiven if buyer maintains the home as primary residence for 5 years. No monthly payments. pro-rated repayment if owner-occupancy lapses. يأتي التمويل من HUD HOME Investment Partnerships Program; Federal.

يُعفى من Richland County Home Ownership Assistance بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer of title, conversion to non-residential use, or failure to maintain the home as primary residence for the full 5-year period triggers pro-rated repayment of the assistance. After 5 years 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.

Richland County Home Ownership Assistance مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer requirement is waived if applicant has not owned property in the last 3 years. بشأن الائتمان، ينص البرنامج على: No published minimum FICO; lender underwriting standards apply (must secure mortgage independent of co-signer). يلزم إكمال دورة لمشتري المنازل، عبر Richland County Community Development mandatory Homeownership Assistance Workshop (held monthly, capacity 75 attendees, no walk-ins, registration required); plus required HUD-approved homebuyer education course. شرط الإقامة: Applicant must be a resident of South Carolina. Property must be located in unincorporated Richland County. Must be a resident of South Carolina. Cannot ratify a contract on a home until after completing program requirements. Must qualify as a low- to moderate-income household (HUD income limits). Must be a first-time homebuyer (or have not owned property for the last three years). Mandatory attendance at the monthly Richland County Homeownership Workshop to receive an official application; capacity 75, no children allowed due to limited capacity. Must secure a mortgage independent of a co-signer. Pre-approval letter must be within 30 days of issued date for application submission. No contract is to be ratified on a home without acceptance into the program.

يحدد Richland County Home Ownership Assistance دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Maximum gross household income at or below 80% AMI for Columbia, SC HUD Metro FMR Area (Richland County), FY2025: 1p $51,950; 2p $59,350; 3p $66,750; 4p $74,150; 5p $80,100; 6p $86,050; 7p $91,950; 8p $97,900. Limits updated annually. 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 Richland County Home Ownership Assistance حدًا أقصى لسعر الشراء قدره $273,000. تشمل أنواع العقارات المؤهلة Single-family detached dwelling located in unincorporated Richland County, built after 1978. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Richland County Home Ownership Assistance مشتري المنازل الذين يشترون في مقاطعة Richland، South Carolina.

تُقدَّم طلبات Richland County Home Ownership Assistance عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Buyer must register for and attend a monthly Homeownership Assistance Workshop (registration opens about a month prior; capacity 75; no walk-ins). After workshop, buyer receives the official application; submit completed application to Community Development Office along with current pre-approval letter (within 30 days). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.