Home Bridgeport - First Time Home Buyer Down Payment Assistance Program

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program은(는) Bridgeport, Connecticut 주택 구매자를 위한 탕감 가능 대출입니다. Home Bridgeport is the City of Bridgeport's first-time homebuyer down-payment and closing-cost assistance program, administered by Building Neighborhoods Together (BNT), a HUD-certified Community Housing Development Organization (CHDO) and HUD-approved housing counseling agency. The program provides up to $25,000 as a forgivable second mortgage, using HUD HOME funds passed through the City of Bridgeport, to help income-qualified first-time buyers purchase 1-2 unit homes or FHA-approved condominiums located within Bridgeport city limits. Buyers must complete BNT's 8-hour homebuyer education class and contribute at least 1% of the purchase price from their own funds. Deed restrictions apply for 5-10 years depending on the assistance amount. Up to $25,000 in forgivable down-payment and closing-cost assistance for first-time homebuyers purchasing a 1-2 unit home or FHA-approved condo in the City of Bridgeport. Loan is secured by a forgivable second mortgage with deed restrictions of 5-10 years depending on the loan amount. No monthly payments and no interest. Layered with the buyer's first-mortgage product (fixed-rate only, no cash back at closing). 재원은 HOME, CDBG, Federal 및 Local Government에서 나옵니다.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program은(는) 10년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Forgivable second is forgiven over the 5-10-year affordability period (length depends on assistance amount) so long as the buyer occupies the home as primary residence 및 due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the deed-restriction period. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Must not have owned any residential real estate in the previous 3 years (true first-time buyer or 3-year displaced homeowner). 신용에 대해 프로그램은 다음과 같이 명시합니다: 620 minimum FICO; no bankruptcy or foreclosure in past 3 years. 주택 구매자 교육 이수가 필요하며, Building Neighborhoods Together (BNT) - HUD-approved housing counseling agency; 8-hour First Time Homebuyer Pre-Purchase Certificate Class required.을(를) 통해 받습니다. 거주 요건: Property must be located within the City of Bridgeport, CT, and be the buyer's primary residence for the duration of the affordability period. 시민권 또는 이민 신분: U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules. Property must be located in the City of Bridgeport and be a 1-2 unit home or FHA-approved condominium (new construction). Property value cannot exceed 95% of Bridgeport's median single-family home price. Buyer must not have owned residential real estate in the previous 3 years; must occupy as primary residence; must contribute at least 1% of the purchase price from own funds; must complete an 8-hour HUD-approved homebuyer education class with BNT; minimum FICO 620; no bankruptcy or foreclosure within the past 3 years; liquid assets capped at $10,000 (excess must be applied toward purchase). Housing/total-debt ratios capped at 35% / 45%. Fixed-rate first mortgage only and no cash back at closing. Deed restrictions apply 5-10 years depending on loan amount; buyer must live in the home as primary residence for the affordability period. Funds awarded first-come, first-served to eligible buyers under contract.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be at or below 80% HUD Area Median Income for the Bridgeport Metro Area: 1-person $71,650; 2-person $81,850; 3-person $92,100; 4-person $102,300; 5-person $110,500; 6-person $118,700; 7-person $126,900; 8-person $135,050. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 프로그램에 명시된 최대 가구 규모는 8명입니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program의 구매 가격 상한은 다음과 같습니다: Property value cannot exceed 95% of the Bridgeport median single-family home price (HOME-program 95% rule); no fixed dollar cap published. 대상 주택 유형: Single-family detached, 2-unit (owner-occupied) 및 FHA-approved condominium (new construction). 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program은(는) Bridgeport, Connecticut에서 주택을 구매하는 주택 구매자를 지원합니다.

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served via BNT once buyer is under contract; applicant must complete BNT intake form and homebuyer education before formal application. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.