Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program es un segundo préstamo reembolsable para compradores de vivienda en Lafayette, Louisiana, a cargo de Lafayette Consolidated Government, Community Development Department, Housing Loans Section. Lafayette Consolidated Government offers a First Time Home Buyer Down Payment and Closing Costs Assistance Program providing a 2% interest loan of up to $11,000 toward down payment and/or closing costs for qualified, income-eligible first-time buyers using an affordable first mortgage from a private lender. The loan is secured by a second mortgage with a 15-year (180-month) term ($70.79/month if the full amount is taken) and the balance is due in full if owner-occupancy ceases before the term ends. No prepayment penalty. Up to $11,000 toward down payment and/or closing costs. Low 2% interest rate. 15-year (180-month) term. No prepayment penalty. Pairs with an affordable first mortgage. Los fondos provienen de HUD HOME Investment Partnerships Program (HOME), administered by LCG Community Development Department.

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program ofrece hasta $11,000 de ayuda. Los montos son los máximos publicados por el programa, no una oferta: Lafayette Consolidated Government, Community Development Department, Housing Loans Section determina cualquier ayuda individual.

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program es un segundo préstamo reembolsable y se reembolsa según los términos que fija Lafayette Consolidated Government, Community Development Department, Housing Loans Section. El reembolso se activa por Repaid in monthly installments over a 15-year (180-month) term; full $11,000 = $70.79/month. Outstanding balance due in full if the borrower ceases to occupy the home as principal residence before the term ends. 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.

Lafayette First Time Home Buyer Down Payment and Closing Costs 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: Not owned a home as a primary residence in the past 3 years; displaced homemakers may also qualify. Sobre el crédito, el programa indica: No specific minimum published; must meet the participating lender's and insurer's requirements for the primary mortgage. Se requiere un curso de educación para compradores de vivienda, a través de LCG Home Ownership Training (HOT) Course via the Community Development Department Human Services Division, Jessie Livingston Taylor Center, 111 Shirley Picard Dr., Lafayette LA 70501; (337) 291-5450. First-time buyer (no ownership in last 3 years) or displaced homemaker; current signed purchase agreement; complete LCG HOT homebuyer training before closing. Income limits: April 2021 brochure shows older figures; current FY2025 page (4-person $67,750) used here.

Lafayette First Time Home Buyer Down Payment and Closing Costs 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 HUD Low-Income (80% AMI) for Lafayette. FY2025: 1 $47,450; 2 $54,200; 3 $61,000; 4 $67,750; 5 $73,200; 6 $78,600; 7 $84,050; 8 $89,450. 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.

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program se puede usar para Single Family, Townhouse y Condo. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program atiende a compradores de vivienda que compran en Lafayette, Louisiana.

Las solicitudes de Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program se tramitan a través de Lafayette Consolidated Government, Community Development Department, Housing Loans Section, 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.