City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) è un secondo prestito differito per chi compra casa in Winston-Salem, North Carolina, gestito da Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement). Down payment and closing cost assistance for first-time homebuyers purchasing within the city limits of Winston-Salem, funded by the City of Winston-Salem HUD CDBG and HOME funds. Under an Interlocal Agreement (Sept 21, 2023 - June 30, 2026), the City contracted Forsyth County Community & Economic Development to administer these funds for properties inside Winston-Salem city limits, through the County unified Homebuyer Assistance Program. Assistance is a 0% deferred silent second loan secured by a Deed of Trust with deed restrictions. Buyers must be first-time homebuyers at or below 80% AMI, complete HUD-approved homebuyer education, and occupy the home as their primary residence. Down payment and closing cost assistance. 0% deferred silent second mortgage. Repayment deferred 30 years while occupied as primary residence. Origination fees eligible up to 1.5%. I fondi provengono da City of Winston-Salem HUD CDBG and HOME funds (administered by Forsyth County CED via Interlocal Agreement).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) è differito, quindi non ci sono pagamenti finché la casa non viene venduta o rifinanziata, o finché il mutuo principale non è estinto. Il rimborso scatta in caso di Due when first mortgage is paid in full, upon sale/transfer of title, cash-out refinance, change in owner-occupancy, foreclosure, default, or death; affordability/deferral period is 30 years per 24 CFR 92.254. L'aiuto è iscritto in posizione Subordinate (second/third) - Deed of Trust with deed restrictions; priority based on amount of assistance. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: First-time = no ownership interest in a principal residence during the 3-year period ending on purchase date (HUD/FHA), with standard displaced-homemaker/single-parent exceptions. Sul credito, il programma afferma: Minimum 600 for AHOP-HOME (City CDBG/HOME track); 640 for NCHFA CPLP (660 for new manufactured homes). Lower of two scores used. È richiesto un corso per chi compra casa, tramite Center for Homeownership (Financial Pathways of the Piedmont), Winston-Salem; Housing Foundation of America, Greensboro. 8-hour HUD-approved class plus County Home Maintenance course. Requisito di residenza: Property must be within the city limits of Winston-Salem (City CDBG/HOME funds). 0% deferred silent second loan; repayment deferred 30 years (HOME/AHOP affordability period) while occupied as primary residence; due when first mortgage is paid in full, on sale/transfer, cash-out refinance, foreclosure, default, or death. Occupy within 60 days. First mortgage rate must not exceed 1% above NCHFA published rates. 8-hour HUD-approved homebuyer education plus a Home Maintenance course required. Max cash back to buyer at closing $2,500. This is the Winston-Salem-only CDBG/HOME component of Forsyth County CED unified Homebuyer Assistance Program; cataloged Forsyth County AHOP serves the county excluding Winston-Salem and Walkertown. City-specific maximum dollar amount not separately published (left blank, not guessed); overall unified program max combined assistance is $90,000 (AHOP-HOME $40,000 + CPLP $50,000).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) limita il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. Total household compliance income must not exceed 80% AMI for the Winston-Salem HUD area, adjusted for size. 2025 80% AMI (eff. June 1, 2025): 1p $48,550; 2p $55,500; 3p $62,450; 4p $69,350; 5p $74,900; 6p $80,450; 7p $86,000; 8p $91,550. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. 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.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) limita il prezzo di acquisto così: May not exceed HUD-published Maximum Sales Price limits for Forsyth County, NC (updated annually); appraised value must be >= sales price. I tipi di immobile idonei includono Single Family, Townhouse, Condo, Modular e Manufactured. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) si rivolge a chi compra casa in Winston-Salem, North Carolina. Quartieri interessati: City of Winston-Salem city limits.

Le domande per City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) passano da Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite First-come, first-served until program funding is depleted. 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.