Sweet Home Columbus

Sweet Home Columbus es un segundo préstamo diferido para compradores de vivienda en Columbus, Georgia. Sweet Home Columbus is the HUD HOME-funded down-payment assistance program of the Community Reinvestment Department of the Columbus Consolidated Government. It provides zero-interest deferred-payment second-mortgage loans up to $49,999 to income-eligible homebuyers (at or below 80% AMI for the Columbus, GA-AL HUD Metro FMR Area) for the purchase of a primary residence in Muscogee County. The principal-residence/affordability period extends up to 15 years depending on the assistance amount. Buyers must complete an 8-hour HUD-approved housing counseling seminar with NeighborWorks Columbus, Urban League of Greater Columbus, or Habitat for Humanity within 12 months prior to purchase, and use a certified lending institution. Zero-percent-interest deferred-payment second-mortgage loan up to $49,999 for down payment on a primary residence in Muscogee County, Georgia. Entire amount must go toward the down payment - no cash back to buyer at closing. Loan is deferred (no monthly payments) and the property must remain the owner's principal residence for up to 15 years depending on the amount of assistance received. Closing costs are the responsibility of the seller or purchaser. Los fondos provienen de HUD HOME Investment Partnerships Program; Federal (administered by Community Reinvestment Department, Columbus Consolidated Government).

Sweet Home Columbus ofrece hasta $49,999 de ayuda. Aporte del comprador de vivienda: No published buyer contribution requirement; lender may impose its own minimum. 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.

Sweet Home Columbus 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 Sale, refinance, transfer of title, or failure to occupy as principal residence during the affordability period (up to 15 years depending on amount of assistance) triggers repayment of the deferred loan balance per the recorded promissory note. After expiration of the principal-residence period, the lien is released. 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.

Sweet Home Columbus está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: No published minimum credit score; lender underwriting requirements apply. Se requiere un curso de educación para compradores de vivienda, a través de 8-hour HUD-approved Housing Counseling Seminar with NeighborWorks Columbus (706-324-4663), Urban League of Greater Columbus (706-322-6840), or Habitat for Humanity (706-653-6003). Certificate of completion must be obtained within 12 months prior to purchase. Requisito de residencia: Property must be located within Muscogee County, Georgia (consolidated city-county of Columbus). Only fixed-rate first mortgages are approved. Buyer cannot receive any portion of DPA funds as cash back at closing. If borrower currently owns a home, it must be sold prior to applying (current home cannot be rented/leased). Buyer must continue to maintain the property. Income and household composition will be verified at time of application.

Sweet Home Columbus limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income cannot exceed 80% AMI for Columbus, GA-AL HUD Metro FMR Area (effective April 1, 2025): 1p $43,150; 2p $49,300; 3p $55,450; 4p $61,600; 5p $66,550; 6p $71,500; 7p $76,400; 8p $81,350. 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.

Sweet Home Columbus limita el precio de compra así: Limited by HUD HOME Homeownership Value Limits for Columbus, GA-AL MSA (95% of median sales price); not separately published on program page. Los tipos de propiedad elegibles incluyen Single-family residential property used as the buyer's principal residence. La construcción nueva es elegible.

Sweet Home Columbus atiende a compradores de vivienda que compran en Columbus, Georgia.

Las solicitudes de Sweet Home Columbus 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 Buyer completes 8-hour housing counseling seminar, then contacts a certified lending institution for first-mortgage pre-approval. Lender begins DPA approval process; CRD reviews and reserves funds. 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.