Homebuyer Assistance Program

Homebuyer Assistance Program es un préstamo condonable para compradores de vivienda en Condado de St. Clair, Illinois. The St. Clair County Homebuyer Assistance Program, administered by the St. Clair County Intergovernmental Grants Department (Community Development Group), provides down payment and closing-cost assistance to income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis. Funded through CDBG and HUD HOME, the assistance is structured as a forgivable second-mortgage loan with a HUD HOME affordability period. Detailed program PDF / guidelines are not published online; applicants should contact the county directly for current 2026 specifications. Down payment and closing-cost assistance (approximately $4,000 per published third-party listings) for income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis (which has its own program). Funded through CDBG/HOME and structured as a forgivable second-mortgage loan with a multi-year affordability period. Los fondos provienen de Federal HOME, Federal CDBG y Local Government.

Homebuyer 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 Forgivable second-mortgage with HUD HOME affordability period (typically 5 years for assistance under $15,000) y pro-rata recapture of unforgiven balance on sale, transfer, cash-out refinance, or loss of owner-occupancy during 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.

Homebuyer 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: First-time homebuyer = no homeownership in prior 3 years; standard HUD displaced-homemaker / single-parent exceptions apply. Sobre el crédito, el programa indica: No published St. Clair County-specific minimum; first-mortgage product credit-score minimums apply. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling agency; pre-purchase homebuyer education recommended. Requisito de residencia: Property must be located within St. Clair County, IL outside the City of East St. Louis, and serve as borrower's primary residence. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen per first-mortgage product rules. St. Clair County does not currently publish a comprehensive program PDF / guidelines on its website (PDF fields blank as of April 2026). Verified active as a recurring CDBG/HOME-funded line item in the Intergovernmental Grants Department's Community Development Group portfolio per the county's Community Development page and third-party DPA aggregator listings (~$4,000 assistance amount). Applicants should contact the county directly at 618-825-3218 (Christina Anderson) or 618-825-3226 to obtain current 2026 guidelines, income limits, purchase price limits, and application package. Property must be located within St. Clair County, IL (outside the City of East St. Louis, which administers its own program) and be the buyer's primary residence. HOME affordability period (typically 5 years for assistance under $15,000) and HUD HOME recapture rules apply. Income-qualified at or below 80% HUD AMI for the St. Louis HMFA (St. Clair County portion).

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 expected at or below 80% HUD AMI for the St. Louis, MO-IL HMFA (St. Clair County portion); contact county directly for current 2026 income table. 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.

Homebuyer Assistance Program limita el precio de compra así: No published St. Clair County-specific maximum purchase price; contact county for current guidelines. Los tipos de propiedad elegibles incluyen Single-family detached, Townhome y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Homebuyer Assistance Program atiende a compradores de vivienda que compran en Condado de St. Clair, Illinois.

Las solicitudes de 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 Buyer/lender contacts St. Clair County Intergovernmental Grants Department (Community Development Group) for application package; awarded first-come, first-served subject to availability. 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.