SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative es un préstamo condonable para compradores de vivienda en South Carolina, a cargo de South Carolina State Housing Finance and Development Authority (SC Housing). A Community Lending Initiative sub-tier of the SC Housing Homebuyer (Bond) Program for households that include a member with a permanent 100% disability. Provides the same $10,000 forgivable 15-year DPA and Bond first mortgage as the standard program but waives the first-time homebuyer restriction (and the 3-year prior-ownership lookback). Available on FHA, USDA, and VA loan products only. $10,000 forgivable DPA (0% interest, no monthly payment, 15-year term); competitive fixed-rate first mortgage; first-time homebuyer requirement waived for households with a permanent 100% disabled member. Los fondos provienen de SC Housing Bond Program (tax-exempt mortgage revenue bonds).

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative ofrece entre $10,000 y $10,000 de ayuda. Niveles de ayuda: Families with Disabilities $10,000 Forgivable DPA: 15-year (180-month) forgivable second mortgage, 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. Aporte del comprador de vivienda: No minimum borrower contribution unless required by AUS. Los montos son los máximos publicados por el programa, no una oferta: South Carolina State Housing Finance and Development Authority (SC Housing) determina cualquier ayuda individual.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative 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 Sale, refinance, or property no longer borrower's primary residence prior to 15-year maturity. La ayuda se registra con un gravamen en posición 2nd. 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.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 640 minimum FICO for all borrowers. Se requiere un curso de educación para compradores de vivienda, a través de Fannie Mae HomeView; Freddie Mac CreditSmart; any HUD-approved homebuyer education course; completed within 12 months prior to closing by at least one borrower. Ciudadanía o situación migratoria: US Citizen or Permanent Resident Alien with valid Green Card (I-551); VISA holders not eligible. Borrower or household member must have a permanent 100% disability documented by long-term disability income, SSI, or SSDI. FTHB requirement waived but borrower cannot own any other property at closing. FHA/USDA/VA only (not Conventional). 640 min FICO, 45% max DTI, homebuyer education, primary residence, county income/price limits. DPA term: 15-year forgivable second at 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. Subordination not permitted.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative fija su límite de ingresos así: County-specific income limits per SC Housing 2025/2026 chart. Non-targeted: $90,500-$112,200 (1-2 persons), $104,075-$129,030 (3+). Targeted up to $135,000/$157,500. 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.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative limita el precio de compra a $450,000.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative menciona a 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.

SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative atiende a compradores de vivienda que compran en cualquier lugar de South Carolina.

Las solicitudes de SC Housing Homebuyer Program - Families with Disabilities Community Lending Initiative se tramitan a través de South Carolina State Housing Finance and Development Authority (SC Housing), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de SC Housing Lender Online (lol.schousing.com). 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.