HouseCharlotte - Program 1A

HouseCharlotte - Program 1A es un segundo préstamo diferido para compradores de vivienda en Charlotte, North Carolina. HouseCharlotte Program 1A is the City of Charlotte's primary down payment assistance program for low-income (≤80% AMI) first-time homebuyers purchasing within Charlotte city limits. Provides up to $17,000 as a 0%-interest, deferred forgivable second mortgage with a 15-year HOME/CDBG affordability period. Administered by DreamKey Partners on behalf of the City of Charlotte's Housing & Neighborhood Services Department, funded by federal HOME and CDBG dollars and City general funds. HouseCharlotte Program 1A is the City of Charlotte's lower-income DPA tier (≤80% AMI), providing up to $17,000 in down payment and closing-cost assistance to first-time homebuyers purchasing within the Charlotte city limits. The DPA is structured as a 0%-interest deferred second mortgage that is forgiven over a 15-year affordability period (HOME-funded portion). No monthly payments. If the borrower remains in the home and continues to occupy as a primary residence through year 15, the lien is fully forgiven. Los fondos provienen de City of Charlotte Housing & Neighborhood Services - federal HOME Investment Partnership funds, CDBG, and City general funds.

HouseCharlotte - Program 1A se perdona después de 15 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por If borrower sells, refinances cash-out, transfers title, or stops occupying as primary residence during 15-year affordability period: pro-rata recapture per HOME rules. After year 15: lien fully forgiven and released. La ayuda se registra con un gravamen en posición 2nd Lien. 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.

HouseCharlotte - Program 1A 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: Per HOME rules, displaced homemakers and single parents who only previously owned with a former spouse may qualify. Sobre el crédito, el programa indica: 640 minimum FICO (per NCHFA / first-mortgage product pairing). Se requiere un curso de educación para compradores de vivienda, a través de DreamKey Partners 8-hour HUD-approved homebuyer education plus 1:1 pre-purchase counseling required; other HUD-approved providers may be accepted with City of Charlotte approval. Requisito de residencia: Property must be within the Charlotte city limits and occupied as primary residence for the 15-year HOME affordability period. Ciudadanía o situación migratoria: U.S. citizen or qualified non-citizen per HOME program rules and first-mortgage product. Property must be located within the Charlotte city limits (not unincorporated Mecklenburg County or other municipalities). Borrower must be a first-time homebuyer (no principal-residence ownership in last 3 years). Maximum qualifying household income at or below 80% of Charlotte-Concord-Gastonia MSA AMI (approximately $111,950 for 4-person household, 2025). Minimum $1,000 borrower contribution from own funds. Must complete DreamKey Partners pre-purchase counseling. Property must serve as primary residence throughout 15-year affordability period. Federal HOME / CDBG affordability period applies.

HouseCharlotte - Program 1A limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Maximum qualifying household income at or below 80% of HUD-published Area Median Income for Charlotte-Concord-Gastonia MSA. 2025 4-person 80% AMI approximately $111,950 (verify current limits with DreamKey at application; HUD updates limits annually each spring). 1-person 80% AMI approximately $59,400 - $78,400 depending on year and HUD revision. Income includes all borrowers and non-borrower spouse on title. 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.

HouseCharlotte - Program 1A limita el precio de compra a $315,000. Los tipos de propiedad elegibles incluyen Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied y new and existing homes within Charlotte city limits. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

HouseCharlotte - Program 1A menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional, cónyuges sobrevivientes, compradores de vivienda indígenas americanos y nativos de Alaska, educadores, agentes del orden público, bomberos, trabajadores de la salud y compradores de vivienda con discapacidades entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

HouseCharlotte - Program 1A atiende a compradores de vivienda que compran en Charlotte, North Carolina. El programa se dirige a áreas específicas: City of Charlotte may identify priority neighborhoods (Corridors of Opportunity, NOAH preservation areas) that receive enhanced HouseCharlotte assistance amounts; verify current priority zones with DreamKey Partners.

Las solicitudes de HouseCharlotte - Program 1A 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 Lender reserves HouseCharlotte funds via DreamKey Partners' lender portal alongside first-mortgage reservation. 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.