City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) es un segundo préstamo diferido para compradores de vivienda en Winston-Salem, North Carolina, a cargo de Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement). Down payment and closing cost assistance for first-time homebuyers purchasing within the city limits of Winston-Salem, funded by the City of Winston-Salem HUD CDBG and HOME funds. Under an Interlocal Agreement (Sept 21, 2023 - June 30, 2026), the City contracted Forsyth County Community & Economic Development to administer these funds for properties inside Winston-Salem city limits, through the County unified Homebuyer Assistance Program. Assistance is a 0% deferred silent second loan secured by a Deed of Trust with deed restrictions. Buyers must be first-time homebuyers at or below 80% AMI, complete HUD-approved homebuyer education, and occupy the home as their primary residence. Down payment and closing cost assistance. 0% deferred silent second mortgage. Repayment deferred 30 years while occupied as primary residence. Origination fees eligible up to 1.5%. Los fondos provienen de City of Winston-Salem HUD CDBG and HOME funds (administered by Forsyth County CED via Interlocal Agreement).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) 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 when first mortgage is paid in full, upon sale/transfer of title, cash-out refinance, change in owner-occupancy, foreclosure, default, or death; affordability/deferral period is 30 years per 24 CFR 92.254. La ayuda se registra con un gravamen en posición Subordinate (second/third) - Deed of Trust with deed restrictions; priority based on amount of assistance. 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 Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) 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 = no ownership interest in a principal residence during the 3-year period ending on purchase date (HUD/FHA), with standard displaced-homemaker/single-parent exceptions. Sobre el crédito, el programa indica: Minimum 600 for AHOP-HOME (City CDBG/HOME track); 640 for NCHFA CPLP (660 for new manufactured homes). Lower of two scores used. Se requiere un curso de educación para compradores de vivienda, a través de Center for Homeownership (Financial Pathways of the Piedmont), Winston-Salem; Housing Foundation of America, Greensboro. 8-hour HUD-approved class plus County Home Maintenance course. Requisito de residencia: Property must be within the city limits of Winston-Salem (City CDBG/HOME funds). 0% deferred silent second loan; repayment deferred 30 years (HOME/AHOP affordability period) while occupied as primary residence; due when first mortgage is paid in full, on sale/transfer, cash-out refinance, foreclosure, default, or death. Occupy within 60 days. First mortgage rate must not exceed 1% above NCHFA published rates. 8-hour HUD-approved homebuyer education plus a Home Maintenance course required. Max cash back to buyer at closing $2,500. This is the Winston-Salem-only CDBG/HOME component of Forsyth County CED unified Homebuyer Assistance Program; cataloged Forsyth County AHOP serves the county excluding Winston-Salem and Walkertown. City-specific maximum dollar amount not separately published (left blank, not guessed); overall unified program max combined assistance is $90,000 (AHOP-HOME $40,000 + CPLP $50,000).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Total household compliance income must not exceed 80% AMI for the Winston-Salem HUD area, adjusted for size. 2025 80% AMI (eff. June 1, 2025): 1p $48,550; 2p $55,500; 3p $62,450; 4p $69,350; 5p $74,900; 6p $80,450; 7p $86,000; 8p $91,550. 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 Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) limita el precio de compra así: May not exceed HUD-published Maximum Sales Price limits for Forsyth County, NC (updated annually); appraised value must be >= sales price. Los tipos de propiedad elegibles incluyen Single Family, Townhouse, Condo, Modular y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) atiende a compradores de vivienda que compran en Winston-Salem, North Carolina. Vecindarios prioritarios: City of Winston-Salem city limits.

Las solicitudes de City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) se tramitan a través de Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement), 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 until program funding is depleted. 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.