Lackawanna County Homebuyer Program

Lackawanna County Homebuyer Program es un segundo préstamo diferido para compradores de vivienda en Condado de Lackawanna, Pennsylvania. The Lackawanna County Homebuyer Program is administered by NeighborWorks Northeastern Pennsylvania on behalf of Lackawanna County's HUD HOME and CDBG entitlement allocations. It provides up to $10,000 in down-payment and closing-cost assistance to first-time homebuyers purchasing primary residences in Lackawanna County, PA outside the City of Scranton. Assistance is a 0% interest deferred / forgivable second mortgage with a 5-year affordability period. Up to $10,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in Lackawanna County (excluding the City of Scranton, which has its own program). Provided as a 0% interest deferred / forgivable second mortgage funded through Lackawanna County HUD HOME / CDBG pass-through dollars and administered by Neighborworks Northeastern PA. Forgiven over a 5-year affordability period. Los fondos provienen de HOME, CDBG, Federal y Local Government.

Lackawanna County Homebuyer 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 Forgiven pro-rata over a 5-year affordability period y balance due if buyer sells, refinances with cash-out, transfers title, or ceases primary-residence status during the affordability period. La ayuda se registra con un gravamen en posición 2. 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.

Lackawanna County 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: First-time homebuyer (no ownership of principal residence in prior 3 years). Sobre el crédito, el programa indica: Underwriting follows first-mortgage product; Neighborworks NEPA counsels borrowers with credit scores in the 600s. Se requiere un curso de educación para compradores de vivienda, a través de Neighborworks Northeastern PA (HUD-approved housing counseling agency) - pre-purchase 8-hour homebuyer education and one-on-one counseling required. Requisito de residencia: Property must be located within Lackawanna County, PA (outside Scranton city limits) and occupied as the buyer's primary residence for the 5-year affordability period. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by HUD HOME / CDBG rules. Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence in Lackawanna County (outside Scranton city limits), and complete Neighborworks NEPA pre-purchase counseling. Household income between approximately $17,600 (very-low / extremely-low set-asides) and $88,400 (8-person at 80% Scranton-Wilkes-Barre MSA AMI). Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

Lackawanna County Homebuyer Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income approximately $17,600 (extremely-low / very-low set-asides) up to $88,400 (8-person at 80% Scranton-Wilkes-Barre MSA AMI). Limits updated annually by HUD. 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.

Lackawanna County Homebuyer Program limita el precio de compra así: Tracks HUD HOME 95% area median purchase price for Lackawanna County. Los tipos de propiedad elegibles incluyen Single-family detached, Townhouse, Condominium y 2-4 unit (owner-occupied). La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Lackawanna County Homebuyer Program atiende a compradores de vivienda que compran en Condado de Lackawanna, Pennsylvania.

Las solicitudes de Lackawanna County Homebuyer Program 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 First-come, first-served subject to Lackawanna County annual HUD HOME / CDBG allocation; applications submitted through Neighborworks NEPA. 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.