Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program es un préstamo condonable para compradores de vivienda en Condado de Cumberland, Pennsylvania, a cargo de The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities). A county-funded first-time homebuyer down payment and closing cost assistance program providing up to $5,000 (up to $3,000 for 80-100% AMI; up to $5,000 below 80% AMI) as a five-year, no-interest, forgivable second-mortgage loan, matching the buyer's contribution 3-to-1. Applicants must have lived or worked in Cumberland County for six months, be a first-time homebuyer, have a 620+ credit score, complete homebuyer education, hold no more than $30,000 in assets after settlement, and purchase a single-family home in Cumberland County. Up to $5,000 in DP/closing cost assistance. No interest, no monthly payments. Fully forgiven after 5 years. 3-to-1 match on buyer contribution. No maximum purchase price. Los fondos provienen de County of Cumberland (administered via the Redevelopment Authority of Cumberland County); awards each year depend on the annual allocation.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ofrece hasta $5,000 de ayuda. Niveles de ayuda: 80-100% of County Median Income: up to $3,000. Below 80% of County Median Income: up to $5,000. Aporte del comprador de vivienda: Buyer must contribute their own funds matched 3-to-1 (program provides $3 per $1 of buyer funds); match capped at $3,000 (80-100% AMI) or $5,000 (below 80% AMI). Los montos son los máximos publicados por el programa, no una oferta: The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities) determina cualquier ayuda individual.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Sale, transfer, or loss of owner-occupancy before the 5-year forgiveness term completes; 1/60 forgiven per month. 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.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance 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: First-time = never owned a home; owned a mobile home but not the land; displaced homemaker; or not owned a home within the last three years. Sobre el crédito, el programa indica: Credit score of 620 or higher with lender documentation. Se requiere un curso de educación para compradores de vivienda, a través de Any HUD-approved Housing Counseling agency; certificate of completion required prior to settlement. Requisito de residencia: Must have lived or worked in Cumberland County for at least six months. PROGRAM STATUS: official program page (modified 2026-05-27) states the program CLOSES TO NEW APPLICATIONS EFFECTIVE JULY 1, 2026; active and accepting applications as of the research date (2026-06-15). Upon approval, applicant has up to 6 months to close. Detailed guidelines/application/grant-agreement PDFs are linked on the program page but cached copies returned mismatched documents; values are from the official HTML program page only. Max DTI, citizenship, new-construction/HOA/flood-zone, and loan-mechanics fields not specified (null).

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program limita el ingreso del hogar al 100% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 2026 income limits (gross annual household income not to exceed 100% AMI): 1: 80%=$61,250/100%=$76,600; 2: $70,000/$87,500; 3: $78,750/$98,400; 4: $87,450/$109,300; 5: $94,450/$118,100; 6: $101,450/$126,800; 7: $108,450/$135,600; 8: $115,450/$144,300. 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.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program limita el precio de compra así: No maximum purchase price; eligible applicants may purchase single-family homes of any price in Cumberland County. Los tipos de propiedad elegibles incluyen Single-family detached, Manufactured home (HUD code, permanently affixed) y Modular/factory-built housing. Las viviendas prefabricadas son elegibles.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program atiende a compradores de vivienda que compran en Condado de Cumberland, Pennsylvania.

Las solicitudes de Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program se tramitan a través de The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Applications accepted year-round; funds reserved first-come, first-served subject to availability. 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.