City of Las Vegas HOME Homebuyer Assistance

City of Las Vegas HOME Homebuyer Assistance es un segundo préstamo diferido para compradores de vivienda en Las Vegas, Nevada, a cargo de City of Las Vegas (Community Services Department). The City of Las Vegas uses federal HOME Investment Partnerships funds to provide down payment and closing cost assistance to low-income, first-time homebuyers, delivered through program sub-recipients. Assistance is structured as a deferred loan subject to HUD recapture provisions, with a HUD affordability/forgiveness period scaled to the amount of HOME funds provided (5, 10, or 15 years). Households must be at or below 80% of Area Median Income and the home must be the buyer's principal residence. Down payment and closing cost assistance from federal HOME funds. Deferred loan with no monthly payments. Forgiveness tied to occupancy over a 5-, 10-, or 15-year affordability period. Targets low-income first-time buyers in the City of Las Vegas. Los fondos provienen de Federal HOME Investment Partnerships Program (HUD) funds allocated to the City of Las Vegas; administered through sub-recipients.

City of Las Vegas HOME Homebuyer Assistance 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 Deferred loan subject to recapture provisions under 24 CFR 92.254. Forgiveness is tied to the length of time the homebuyer occupies the home during the affordability period; the affordability period is based on the amount of HOME funds provided: under $15,000 = 5 years; $15,000-$40,000 = 10 years; over $40,000 = 15 years. If the home is sold during the affordability period, recaptured HOME funds are due (limited to net proceeds). 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 Las Vegas HOME Homebuyer 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 homebuyer = an individual (and spouse) who have not owned a home during the prior three-year period (standard HUD HOME definition). Sobre el crédito, el programa indica: Could not confirm a minimum credit score; set by individual sub-recipient program. Se requiere un curso de educación para compradores de vivienda, a través de Homebuyer counseling required (sub-recipients must provide tenant/homebuyer counseling); specific providers set by program. Program is administered through HUD HOME sub-recipients rather than a single consumer-facing product, so the exact per-buyer assistance amount, income-limit dollar figures, maximum purchase price, and credit-score requirements are set per sub-recipient/Consolidated Plan and were NOT published in the HOME Policy & Procedures manual.

City of Las Vegas HOME Homebuyer Assistance limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Beneficiaries must be low-income households (at or below 80% Area Median Income per HUD HOME program rules). Specific dollar limits by household size follow current HUD income limits for the Las Vegas area and were not published in the manual. 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.

City of Las Vegas HOME Homebuyer Assistance limita el precio de compra así: Purchase price/value must not exceed the HUD HOME maximum (95% of area median purchase price); specific dollar amount not stated in the manual. Los tipos de propiedad elegibles incluyen Single Family, Condo, Townhouse y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

City of Las Vegas HOME Homebuyer Assistance atiende a compradores de vivienda que compran en Las Vegas, Nevada.

Las solicitudes de City of Las Vegas HOME Homebuyer Assistance se tramitan a través de City of Las Vegas (Community Services Department), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Administered through City of Las Vegas HOME sub-recipients/program partners; no central public reservation portal published. 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.