City of Carbondale Down Payment Assistance Program

City of Carbondale Down Payment Assistance Program es un préstamo condonable para compradores de vivienda en Carbondale, Illinois, a cargo de City of Carbondale, Community Development / Development Services Department. Provides funding to prospective first-time homebuyers within Carbondale city limits toward the down payment of their first home. The City provides between $500 and $3,000 as a forgivable grant requiring a proportional owner match by income tier, with a 5-year restrictive covenant recaptured prorated at 1/60th per month if owner-occupancy ceases. Up to $3,000 toward down payment (minimum $500). Forgivable grant (1/60th per month, fully forgiven after 5 years). No interest. Funds paid after closing. Los fondos provienen de City of Carbondale municipal funds.

City of Carbondale Down Payment Assistance Program ofrece entre $500 y $3,000 de ayuda. Niveles de ayuda: Owner-match by income vs. Median Area Income (MAI): 80%+ MAI=100% match; 50-<80%=80%; 30-<50%=50%; <30%=30%. On a $2,000 project: 80%+ -> $1,000 City grant; 50-80% -> $1,200; 30-50% -> $1,500; <30% -> $1,700. Los montos son los máximos publicados por el programa, no una oferta: City of Carbondale, Community Development / Development Services Department determina cualquier ayuda individual.

City of Carbondale Down Payment Assistance Program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Pro-rata recapture (1/60th per remaining month) if the home ceases to be owner-occupied within 5 years. 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.

City of Carbondale Down Payment 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: Must be the applicant's first home purchase within the corporate limits of Carbondale. Requisito de residencia: Home within the corporate limits of Carbondale; must remain single-family occupancy. Applicant must enter a grant agreement and record a restrictive covenant. Emailed applications not accepted; submit in person. City began accepting FY2027 applications May 1, 2026. Credit score, DTI, education, purchase-price cap, and citizenship not specified in program materials.

City of Carbondale Down Payment Assistance Program limita el ingreso del hogar al 180% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household cannot earn more than 180% of HUD Median Area Income (MAI) for Jackson County. 2023 180% by size: 1 $101,340; 2 $115,740; 3 $130,140; 4 $144,540; 5 $156,240; 6 $167,760; 7 $179,280; 8 $190,800. (80% 4-person = $64,240.) Income tier also sets the required owner-match percentage. 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.

City of Carbondale Down Payment Assistance Program se puede usar para Single Family.

City of Carbondale Down Payment Assistance Program atiende a compradores de vivienda que compran en Carbondale, Illinois.

Las solicitudes de City of Carbondale Down Payment Assistance Program se tramitan a través de City of Carbondale, Community Development / Development Services Department, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. 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.