SC Housing Made It Home! Program

SC Housing Made It Home! Program es un préstamo condonable para compradores de vivienda en South Carolina, a cargo de South Carolina State Housing Finance and Development Authority (SC Housing). SC Housing's Made It Home! Program provides up to $25,000 in forgivable down payment and closing cost assistance to eligible homebuyers purchasing one of 130 newly constructed affordable single-family homes built by five SC Housing-approved builders across South Carolina. The program pairs buyer DPA with builder subsidies to expand affordable workforce housing inventory. Cannot be combined with other SC Housing DPA programs, but may be layered with FHLB DPA as a third lien. Up to $25,000 forgivable DPA as a zero-interest second mortgage, fully forgiven after 10 years if buyer remains in home as primary residence. Compatible with FHA, VA, USDA, and Conventional first mortgages (or SC Housing Bond first mortgage). Los fondos provienen de SC Housing agency reserves (initial phase); future phases contingent on SC Legislature appropriations.

SC Housing Made It Home! Program ofrece entre $25,000 y $25,000 de ayuda. Niveles de ayuda: Made It Home! DPA: $25,000, 10-year forgivable second mortgage, 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. Aporte del comprador de vivienda: No stated minimum borrower contribution beyond AUS/insurer requirements. El programa se puede combinar con Federal Home Loan Bank (FHLB) DPA as third lien. Cannot stack with other SC Housing DPA products. 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 Made It Home! Program se perdona después de 10 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 primary residence prior to 10-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 Made It Home! Program 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 (when using SC Housing Bond first mortgage). Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved counseling agency; Fannie Mae HomeView; Freddie Mac CreditSmart; any NIS or HUD-approved MI company course. Ciudadanía o situación migratoria: US Citizen or Permanent Resident Alien with valid Green Card (I-551); VISA holders not eligible under SC Housing Bond. Home must be from one of five SC Housing-approved builders (D.R. Horton, Gainey Construction Co., Housing Development Corporation of Rock Hill, McGuinn Homes, Oak and Ave Property Group). Homes must be completed before purchase. Cannot combine with other SC Housing DPA. FHLB DPA may be layered as third lien. DPA loan term: 10-year forgivable second mortgage at 0% interest, no monthly payments; full repayment due upon sale, refinance, or loss of primary residency before maturity. Subordination of DPA not permitted.

SC Housing Made It Home! Program limita el ingreso del hogar a $135,000. 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 Made It Home! Program limita el precio de compra a $200,000. Los tipos de propiedad elegibles incluyen single_family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

SC Housing Made It Home! Program atiende a compradores de vivienda que compran en cualquier lugar de South Carolina.

Las solicitudes de SC Housing Made It Home! Program 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.