HouseHartford Homebuyer Assistance Program

HouseHartford Homebuyer Assistance Program es un préstamo condonable para compradores de vivienda en Hartford, Connecticut. HouseHartford is the City of Hartford's down-payment assistance program for low- and moderate-income homebuyers purchasing 1-4 family homes and condominiums in Hartford as primary residences. Created by the City of Hartford in partnership with HUD and Fannie Mae, the program provides up to 20% of the purchase price (maximum $40,000) as a 0% interest second-mortgage forgivable loan. The loan is forgiven over a 5- to 15-year affordability period tied to the assistance amount. The program is administered by the City of Hartford's Division of Housing within the Department of Development Services and is delivered through five participating lenders. Buyers must complete an 8-hour homebuyer class with a partner counseling agency (CRT, Mutual Housing of Greater Hartford, Urban League, or NHS of Greater New Britain) and the property must pass a pre-closing HouseHartford inspection. Since inception the program has assisted more than 1,300 Hartford families. Down-payment assistance up to 20% of the purchase price (maximum $40,000) structured as a 0% interest second-mortgage forgivable loan. Loan is forgiven over a 5- to 15-year affordability period (length tied to assistance amount) so long as the property is the buyer's primary residence. No monthly payments. May be used for 1-4 family homes and condominium units in the City of Hartford. Los fondos provienen de HOME, CDBG, Federal y Local Government.

HouseHartford Homebuyer Assistance Program ofrece una ayuda equivalente al 20% del precio de compra, según lo fija el programa. Aporte del comprador de vivienda: Minimum buyer contribution from own funds: $1,000 (incomes <=50% AMI) or $2,000 (incomes 51-80% AMI). El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

HouseHartford Homebuyer Assistance Program se perdona después de 15 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Forgivable second is forgiven over a 5-15 year affordability period so long as the property remains the buyer's primary residence. Due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. La ayuda se registra con un gravamen en posición 2. 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.

HouseHartford Homebuyer Assistance Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: No published minimum FICO; underwriting follows the buyer's first-mortgage product (typically 620+). Se requiere un curso de educación para compradores de vivienda, a través de Community Renewal Team (CRT) 860-560-5501; Mutual Housing Association of Greater Hartford 860-296-1797; Urban League of Greater Hartford 860-527-0147; Neighborhood Housing Services of Greater New Britain 860-224-2433. 8-hour homebuyer class required. Requisito de residencia: Property must be located within the City of Hartford, CT, and be the buyer's primary residence for the duration of the affordability period. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by HUD HOME rules and the buyer's first-mortgage product. Property must be a 1-4 family home or condominium located in the City of Hartford and used as the buyer's primary residence. Buyer must complete an 8-hour homebuyer education class with one of the City's education partners. Buyer must use their own funds for a minimum contribution of $1,000 (households at or below 50% AMI) or $2,000 (households >50%-80% AMI). Property must pass the HouseHartford pre-closing inspection (heat, hot water, electric, roof, smoke/CO detectors, GFCI, paint condition, plumbing, etc.). The first-mortgage payment must be 'affordable' per HouseHartford underwriting. A $250 application fee is due at closing after final funding approval. Maximum assistance is the lesser of 20% of the purchase price or $40,000.

HouseHartford Homebuyer 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 must not exceed 80% of the Hartford Area Median Family Income (updated annually by HUD). 2025 limits: 1-person $70,950; 2-person $81,050; 3-person $91,200; 4-person $101,300; 5-person $109,450 (additional household-size steps published annually). El límite se aplica al ingreso total del hogar, no solo al del prestatario. 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.

HouseHartford Homebuyer Assistance Program limita el precio de compra así: No fixed dollar maximum; HUD HOME 95% maximum-purchase-price rule applies. Los tipos de propiedad elegibles incluyen Single-family detached, 2-unit, 3-unit, 4-unit y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

HouseHartford Homebuyer Assistance Program atiende a compradores de vivienda que compran en Hartford, Connecticut.

Las solicitudes de HouseHartford Homebuyer Assistance Program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application submitted by participating lender on buyer's behalf to City of Hartford Division of Housing; subject to annual HUD HOME funding allocation. 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.