Frederick County Homebuyer Assistance Program (HAP)

Frederick County Homebuyer Assistance Program (HAP) es un segundo préstamo diferido para compradores de vivienda en Condado de Frederick, Maryland, a cargo de Frederick County Division of Housing (Department of Housing and Community Development). The Frederick County Homebuyer Assistance Program (HAP) helps local low- and moderate-income families buy their first home by providing up to $12,000 in down payment and closing cost assistance. Assistance is a 0% interest deferred loan secured by a lien, repayable on sale, refinance, transfer, or when the home is no longer the borrower's primary residence. It must be paired with a state or federal first mortgage (FHA, VA, USDA, or CDA/MMP) and may be combined with other assistance programs. Up to $12,000 in down payment/closing cost assistance. 0% interest. Deferred - no monthly payments. Can be layered with other programs. Los fondos provienen de Frederick County.

Frederick County Homebuyer Assistance Program (HAP) ofrece entre $10,000 y $12,000 de ayuda. Niveles de ayuda: Households at or below 50% AMI may be eligible for a $12,000 loan; households up to the uncapped 80% AMI may be eligible for a $10,000 loan. Aporte del comprador de vivienda: Minimum $500 of the buyer's own funds toward the purchase. El programa se puede combinar con Other homebuyer assistance programs including House Keys 4 Employees and Maryland Mortgage Program products. Los montos son los máximos publicados por el programa, no una oferta: Frederick County Division of Housing (Department of Housing and Community Development) determina cualquier ayuda individual.

Frederick County Homebuyer Assistance Program (HAP) 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 Due upon sale, refinance, transfer of title, or when the home is no longer the borrower's primary residence. La ayuda se registra con un gravamen en posición Subordinate (lien recorded in Frederick County land records). 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.

Frederick County Homebuyer Assistance Program (HAP) 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 a first-time homebuyer or not have owned residential property in the last three years. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved Housing Counseling Agency; locally Frederick Community Action Agency / City of Frederick. Requisito de residencia: Applicants must currently live or work in Frederick County. Minimum $500 buyer contribution; one-year home warranty and licensed home inspection required before closing; lead paint risk assessment for pre-1978 homes; Frederick County title company for settlement; no co-signors.

Frederick County Homebuyer Assistance Program (HAP) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Based on HUD Washington MSA AMI by household size (May 2025). $12,000 loan (50% AMI): 1=$57,400; 2=$65,600; 3=$73,800; 4=$81,950; 5=$88,550; 6=$95,100. $10,000 loan (uncapped 80% AMI): 1=$91,800; 2=$104,900; 3=$118,000; 4=$131,100; 5=$141,600; 6=$152,100. 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.

Frederick County Homebuyer Assistance Program (HAP) se puede usar para Single Family, Townhouse, Condo, Modular y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Frederick County Homebuyer Assistance Program (HAP) atiende a compradores de vivienda que compran en Condado de Frederick, Maryland.

Las solicitudes de Frederick County Homebuyer Assistance Program (HAP) se tramitan a través de Frederick County Division of Housing (Department of Housing and Community Development), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de First-come, first-served; underwritten by DHCD staff after a ratified sales contract; application submitted by the first lender. 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.