Hamden First-Time Homeownership Downpayment Assistance Program

Hamden First-Time Homeownership Downpayment Assistance Program es una segunda hipoteca silenciosa para compradores de vivienda en Hamden, Connecticut, a cargo de Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development). A CDBG-funded down-payment assistance program run by the Town of Hamden Department of Community Development to help low- and moderate-income first-time homebuyers purchase in Hamden's CDBG target areas (Highwood, State Street, Hamden Plains). Qualified applicants receive up to $5,000 in matching funds as an interest-free, no-monthly-payment second mortgage repaid upon sale or transfer, usable for down payment and/or attorney fees. Up to $5,000 matching down-payment assistance. Interest-free, no monthly payments. Usable for down payment and/or attorney fees. $500 AGI credits for minor children, elderly, disabled, veteran/military. Town-paid lead inspection for pre-1978 homes. Los fondos provienen de Federal CDBG funds administered by the Town of Hamden.

Hamden First-Time Homeownership Downpayment Assistance Program ofrece hasta $5,000 de ayuda. Aporte del comprador de vivienda: Structured as matching funds (up to $5,000) toward the buyer's down payment and/or attorney fees. El programa se puede combinar con Requires a primary first mortgage; functions as matching down-payment assistance. Los montos son los máximos publicados por el programa, no una oferta: Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development) determina cualquier ayuda individual.

Hamden First-Time Homeownership Downpayment Assistance Program es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. El reembolso se activa por Repayment due upon sale or transfer of the property, per the grant commitment terms. La ayuda se registra con un gravamen en posición Second mortgage / lien. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Hamden First-Time Homeownership Downpayment Assistance Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: No ownership in any residential property within 3 years of application. Sobre el crédito, el programa indica: Not specified; Town may verify credit history. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing/credit counseling agency; Pre-Purchase Counseling Certificate required. Requisito de residencia: Home purchased within the Town of Hamden, primarily in CDBG target areas (Highwood, State Street, Hamden Plains); outside-area homes case-by-case. Geographically targeted: purchase generally within Hamden CDBG target areas (Highwood, State Street, Hamden Plains); outside is case-by-case. Pre-purchase counseling certificate required. Liquid assets after closing must not exceed $20,000 (excl. pensions, life insurance, IRAs). All applicant taxes (incl. CT motor vehicle) must be current. Pre-1978 homes need lead assessment + clearance. Application on file rev. 4/2021; income limits and current funding should be verified with the Town (203-562-5129 x1121). A separate Hamden EDC Homebuyer Assistance Grant of up to $15,000 also exists and is not documented here.

Hamden First-Time Homeownership Downpayment Assistance Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income <= 80% of median family AGI for the New Haven/Meriden MSA, adjusted for family size. Policies & Procedures table: 1p $54,950; 2p $62,800; 3p $70,650; 4p $78,500; 5p $84,800; 6p $91,100; 7p $97,350; 8p $103,650. ($500 AGI credit each for minor child, elderly 62+, disabled member, and veteran/military status.). El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Hamden First-Time Homeownership Downpayment Assistance Program se puede usar para Single Family y 2-4 Unit.

Hamden First-Time Homeownership Downpayment Assistance Program atiende a compradores de vivienda que compran en Hamden, Connecticut. El programa se dirige a áreas específicas: Hamden CDBG target areas - Highwood, State Street, Hamden Plains (eligible streets listed in the application). Outside-area homes case-by-case.

Las solicitudes de Hamden First-Time Homeownership Downpayment Assistance Program se tramitan a través de Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application-based; priority-consideration documentation must accompany the application. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.