HouseHartford Homebuyer Assistance Program

HouseHartford Homebuyer Assistance Program è un prestito condonabile per chi compra casa in Hartford, Connecticut. HouseHartford is the City of Hartford's down-payment assistance program for low- and moderate-income homebuyers purchasing 1-4 family homes and condominiums in Hartford as primary residences. Created by the City of Hartford in partnership with HUD and Fannie Mae, the program provides up to 20% of the purchase price (maximum $40,000) as a 0% interest second-mortgage forgivable loan. The loan is forgiven over a 5- to 15-year affordability period tied to the assistance amount. The program is administered by the City of Hartford's Division of Housing within the Department of Development Services and is delivered through five participating lenders. Buyers must complete an 8-hour homebuyer class with a partner counseling agency (CRT, Mutual Housing of Greater Hartford, Urban League, or NHS of Greater New Britain) and the property must pass a pre-closing HouseHartford inspection. Since inception the program has assisted more than 1,300 Hartford families. Down-payment assistance up to 20% of the purchase price (maximum $40,000) structured as a 0% interest second-mortgage forgivable loan. Loan is forgiven over a 5- to 15-year affordability period (length tied to assistance amount) so long as the property is the buyer's primary residence. No monthly payments. May be used for 1-4 family homes and condominium units in the City of Hartford. I fondi provengono da HOME, CDBG, Federal e Local Government.

HouseHartford Homebuyer Assistance Program offre un aiuto pari al 20% del prezzo di acquisto, come stabilito dal programma. Contributo di chi compra casa: Minimum buyer contribution from own funds: $1,000 (incomes <=50% AMI) or $2,000 (incomes 51-80% AMI). Il programma può essere combinato con altri aiuti, nel rispetto delle regole di ciascuno. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è l'ente che gestisce il programma a stabilire l'eventuale importo per ciascuna persona.

HouseHartford Homebuyer Assistance Program viene condonato dopo 15 anni, quindi chi resta nella casa per quel periodo non lo restituisce. Il rimborso scatta in caso di Forgivable second is forgiven over a 5-15 year affordability period so long as the property remains the buyer's primary residence. Due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. L'aiuto è iscritto in posizione 2. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

HouseHartford Homebuyer Assistance Program è aperto a chi compra casa e ci vivrà come residenza principale. Sul credito, il programma afferma: No published minimum FICO; underwriting follows the buyer's first-mortgage product (typically 620+). È richiesto un corso per chi compra casa, tramite Community Renewal Team (CRT) 860-560-5501; Mutual Housing Association of Greater Hartford 860-296-1797; Urban League of Greater Hartford 860-527-0147; Neighborhood Housing Services of Greater New Britain 860-224-2433. 8-hour homebuyer class required. Requisito di residenza: Property must be located within the City of Hartford, CT, and be the buyer's primary residence for the duration of the affordability period. Cittadinanza o status migratorio: U.S. citizen or eligible non-citizen permitted by HUD HOME rules and the buyer's first-mortgage product. Property must be a 1-4 family home or condominium located in the City of Hartford and used as the buyer's primary residence. Buyer must complete an 8-hour homebuyer education class with one of the City's education partners. Buyer must use their own funds for a minimum contribution of $1,000 (households at or below 50% AMI) or $2,000 (households >50%-80% AMI). Property must pass the HouseHartford pre-closing inspection (heat, hot water, electric, roof, smoke/CO detectors, GFCI, paint condition, plumbing, etc.). The first-mortgage payment must be 'affordable' per HouseHartford underwriting. A $250 application fee is due at closing after final funding approval. Maximum assistance is the lesser of 20% of the purchase price or $40,000.

HouseHartford Homebuyer Assistance Program limita il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. Household income must not exceed 80% of the Hartford Area Median Family Income (updated annually by HUD). 2025 limits: 1-person $70,950; 2-person $81,050; 3-person $91,200; 4-person $101,300; 5-person $109,450 (additional household-size steps published annually). Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

HouseHartford Homebuyer Assistance Program limita il prezzo di acquisto così: No fixed dollar maximum; HUD HOME 95% maximum-purchase-price rule applies. I tipi di immobile idonei includono Single-family detached, 2-unit, 3-unit, 4-unit e Condominium. Le nuove costruzioni sono idonee. Le case prefabbricate non sono idonee.

HouseHartford Homebuyer Assistance Program si rivolge a chi compra casa in Hartford, Connecticut.

Le domande per HouseHartford Homebuyer Assistance Program passano da l'ente che gestisce il programma, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Application submitted by participating lender on buyer's behalf to City of Hartford Division of Housing; subject to annual HUD HOME funding allocation. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.