City of Kenner First-Time Homebuyers (FTHB) Assistance Program

City of Kenner First-Time Homebuyers (FTHB) Assistance Program es un préstamo condonable para compradores de vivienda en Kenner, Louisiana, a cargo de City of Kenner Department of Community Development. The City of Kenner Department of Community Development administers a First-Time Homebuyers (FTHB) Assistance Program using HUD HOME funds through the Jefferson HOME Consortium. Eligible low-to-moderate income first-time buyers (51%-80% AMI) may receive up to $40,000 (up to $50,000 for CHDO-sold properties) as a 0% soft second mortgage for down payment, closing costs, and/or principal buy-down. The soft second is forgiven over a HUD affordability period if the buyer occupies the home as their principal residence. Up to $40,000 in assistance (up to $50,000 if CHDO-sold). 0% soft second mortgage. Forgiven over the HOME affordability period with owner-occupancy. Can be applied to down payment, closing costs, or principal buy-down. Single-family, townhomes, and condos eligible. Los fondos provienen de HUD HOME Investment Partnerships Program funds via the Jefferson HOME Consortium.

City of Kenner First-Time Homebuyers (FTHB) Assistance Program ofrece hasta $40,000 de ayuda. Los montos son los máximos publicados por el programa, no una oferta: City of Kenner Department of Community Development determina cualquier ayuda individual.

City of Kenner First-Time Homebuyers (FTHB) Assistance Program es un préstamo condonable, así que el saldo se perdona una vez que se cumplen las condiciones del programa. El reembolso se activa por Soft second mortgage; forgiven over the HUD-established affordability period if the home remains the borrower's principal residence. If the property is sold or no longer occupied during the mortgage term, the full mortgage amount becomes due from net sale proceeds (with pro-rata reduction provisions). La ayuda se registra con un gravamen en posición Second. 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 Kenner First-Time Homebuyers (FTHB) 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: Applicant or co-borrower must not have owned a home in the past three years. Sobre el crédito, el programa indica: Not specified; set by lender/first mortgage product. Se requiere un curso de educación para compradores de vivienda, a través de Homebuyer Education Certificate through a HUD-approved counseling agency (online course permitted if combined with one-on-one counseling). Ciudadanía o situación migratoria: Buyer and co-borrower must be a U.S. citizen or permanent resident alien. Maximum $5,000 in liquid assets before closing (deferred assets like pensions/401(k) excluded). U.S. citizen or permanent resident alien required. Fixed-rate mortgage only. Back-end DTI cannot exceed 43%. Borrower cannot be delinquent on student loans, federal/state/local taxes, utilities, or City services.

City of Kenner First-Time Homebuyers (FTHB) 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 be between 51% and 80% of AMI for the Jefferson HOME Consortium (HUD limits, published annually). Per the program's posted (2019) table: 1 person $37,750; 2 $43,150; 3 $48,550; 4 $53,900; 5 $58,250; 6 $62,550; 7 $66,850; 8 $71,150. Lenders must use the most current HUD limits. 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.

City of Kenner First-Time Homebuyers (FTHB) Assistance Program limita el precio de compra así: Purchase price/after-rehab value must not exceed 95% of the area median purchase price (HUD HOME value limits). Posted example (eff. April 15, 2019) listed Kenner existing-home limits of $196,000 and $227,000. Los tipos de propiedad elegibles incluyen Single Family, Townhouse y Condo. La construcción nueva es elegible.

City of Kenner First-Time Homebuyers (FTHB) Assistance Program atiende a compradores de vivienda que compran en Kenner, Louisiana.

Las solicitudes de City of Kenner First-Time Homebuyers (FTHB) Assistance Program se tramitan a través de City of Kenner Department of Community Development, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Lender (from approved lender list) submits pre-approval and documents to the City; City schedules inspection, environmental review, and eligibility appointment. 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.