Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) es un segundo préstamo diferido para compradores de vivienda en Condado de Eau Claire, Wisconsin, a cargo de Eau Claire County Housing Authority. No-interest, deferred-payment second-mortgage loans of up to $8,000 to eligible renters to obtain a first mortgage for home purchase, funded by HODAP, HCRI, HOME and CDBG through the State of Wisconsin DOA Division of Housing. Housing units must be located in Eau Claire County but outside the city limits of Eau Claire. A homebuyer rehabilitation loan can be paired with the DPA loan. Up to $8,000 toward down payment and closing costs; 0% interest, deferred-payment (silent) second mortgage; disbursed directly to lender at closing. Los fondos provienen de State of Wisconsin DOA Division of Housing — HODAP, HCRI, HOME and CDBG funds.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ofrece hasta $8,000 de ayuda. Niveles de ayuda: Preference to households <50% AMI. Loan is deferred, 0% interest, repaid in full upon transfer of any interest in the property (other than to a spouse), if the home ceases to be the borrower's principal residence, or if the borrower fails to stay current on property taxes or maintain adequate insurance. No stated loan term (deferred until trigger). Aporte del comprador de vivienda: Buyers <50% AMI must contribute at least $500 of their own funds; buyers 51-80% AMI must contribute at least $1,000. El programa se puede combinar con Homebuyer Housing Rehabilitation Loan (same agency). Los montos son los máximos publicados por el programa, no una oferta: Eau Claire County Housing Authority determina cualquier ayuda individual.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) 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 Repaid in full if any interest in the property is transferred (other than to a spouse), the home ceases to be the borrower's principal residence, the household fails to stay current on property taxes, or fails to maintain adequate property insurance. 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.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Eau Claire County Housing Authority pre-purchase education (real estate transactions & disclosures, purchase process, Fair Housing, insurance, budgeting, affordability). Requisito de residencia: Property must be in Eau Claire County but outside Eau Claire city limits.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Monthly income cannot exceed 80% of county median income; preference to families <50% AMI. Income limits effective March 2024 (subject to change): 50% AMI / 80% AMI by household size — 1: $34,800/$55,650; 2: $39,800/$63,600; 3: $44,750/$71,550; 4: $49,700/$79,500; 5: $53,700/$85,900; 6: $57,700/$92,250; 7: $61,650/$98,600; 8: $65,650/$104,950. El límite se aplica al ingreso total del hogar, no solo al del prestatario. 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.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) limita el precio de compra así: Total indebtedness in the property may not exceed 100% of fair market value at closing (no explicit purchase price cap stated). Los tipos de propiedad elegibles incluyen single_family.

Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) atiende a compradores de vivienda que compran en Condado de Eau Claire, Wisconsin. Vecindarios prioritarios: Eau Claire County excluding City of Eau Claire.

Las solicitudes de Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) se tramitan a través de Eau Claire County Housing Authority, 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.