Chester County First Time Homebuyer Program

Chester County First Time Homebuyer Program es un segundo préstamo diferido para compradores de vivienda en Condado de Chester, Pennsylvania, a cargo de Chester County Department of Community Development (operated by the Housing Partnership of Chester County). The Chester County First Time Homebuyer Program (Chester County Dept of Community Development, HUD HOME-funded, operated by the Housing Partnership of Chester County) provides pre-purchase counseling and a 0% interest deferred second-mortgage loan for down payment and closing costs to first-time buyers at or below 80% AMI purchasing anywhere in Chester County. The loan is based on need, up to $40,000, repaid in full upon sale, transfer, or refinance. 0% interest deferred loan for down payment and closing costs. Loan up to $40,000 based on need. No monthly payments until sale/transfer/refinance. Free HUD-certified counseling (English and Spanish). Los fondos provienen de Federal HUD HOME Investment Partnerships Program funds (24 CFR Part 92) through Chester County Department of Community Development.

Chester County First Time Homebuyer Program ofrece hasta $40,000 de ayuda. Niveles de ayuda: County-wide max loan $40,000; based on individual financial need. Aporte del comprador de vivienda: Minimum $1,000 of borrower's own funds toward purchase, plus proof of two months of reserves at settlement. Los montos son los máximos publicados por el programa, no una oferta: Chester County Department of Community Development (operated by the Housing Partnership of Chester County) determina cualquier ayuda individual.

Chester County First Time Homebuyer Program 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 All funds repaid when the property is sold, transferred, or refinanced. La ayuda se registra con un gravamen en posición Second mortgage 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.

Chester County First Time Homebuyer 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: Must not have owned a home in the 3 years prior to application; displaced homemakers also qualify. Sobre el crédito, el programa indica: No minimum credit score published; HPCC may deny based on income, credit history, sales price, assets, and property condition. Se requiere un curso de educación para compradores de vivienda, a través de Housing Partnership of Chester County (required homebuying seminar/group counseling up to 8 hrs + one-on-one and a credit/budgeting session with a HUD-certified counselor). Ciudadanía o situación migratoria: Application collects citizenship status; no explicit eligibility restriction stated. Eligible settlement expenses include title work, deed/document prep, escrows, notary/credit/appraisal/inspection fees, transfer taxes, recording fees, loan discount/origination points, and DP/closing costs. Min credit score, max DTI, and the specific HUD HOME max purchase price not published numerically (null). The $40,000 cap is current; an older HPCC description referenced $10,000 county-wide / $20,000 in Coatesville—confirm current Coatesville treatment with HPCC.

Chester County First Time Homebuyer Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. At or below 80% AMI by household size: 1=$66,850; 2=$76,400; 3=$85,950; 4=$95,500; 5=$103,150; 6=$110,800; 7=$118,450; 8=$126,100. 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.

Chester County First Time Homebuyer Program limita el precio de compra así: Maximum sales price determined by HUD's HOME Program. Los tipos de propiedad elegibles incluyen Single-family detached, Semi-detached, Attached/townhouse y Condominium. La construcción nueva es elegible.

Chester County First Time Homebuyer Program atiende a compradores de vivienda que compran en Condado de Chester, Pennsylvania. El programa se dirige a áreas específicas: $40,000 county-wide max anywhere in Chester County; HPCC historically noted enhanced assistance for City of Coatesville purchases.

Las solicitudes de Chester County First Time Homebuyer Program se tramitan a través de Chester County Department of Community Development (operated by the Housing Partnership of Chester County), 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.