Direct Homebuyer Assistance

Direct Homebuyer Assistance은(는) Sussex 카운티, Delaware 주택 구매자를 위한 탕감 가능 대출입니다. The Sussex County Housing Trust Fund (SCHTF) Direct Homebuyer Assistance program, administered by the Sussex County Community Development & Housing Department, provides up to $20,000 of closing/settlement-cost assistance to qualifying households purchasing a primary residence in Sussex County. The program is funded by Sussex County Council (a local, non-federal funding source) and structured as a 10-year soft-second 0%-interest prorated mortgage that is satisfied after 10 years of continued owner-occupancy. Round 4 funding opened July 1, 2025 and is awarded first-come, first-served until exhausted. Direct buyer settlement-cost assistance of up to $20,000 per qualifying household for closing/settlement costs only on the purchase of a Sussex County primary residence. Structured as a soft-second 0%-interest prorated mortgage that is forgiven (considered satisfied) after 10 years of owner-occupancy with no triggering events. Available to first-time and repeat buyers with household income at or below 120% of Sussex County AMI. Round 4 funding became available July 1, 2025 and is awarded on a first-come, first-served basis until exhausted. (Note: the Sussex County Housing Trust Fund summary documents historically reference 'up to $30,000' in some marketing materials. the official 2025/2026 program manual table caps Direct Buyer Assistance at $20,000 per household.). 재원은 Local Government (Sussex County Housing Trust Fund - Sussex County Council appropriation)에서 나옵니다.

Direct Homebuyer Assistance은(는) 10년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Soft-second 0% prorated mortgage repayable only at sale or transfer of the property 및 SCHTF mortgage is considered satisfied after 10 years of continuous owner-occupancy with no triggering events. Will not be subordinated unless adequate equity covers the SCHTF assistance amount. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Direct Homebuyer Assistance의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: No published SCHTF-specific minimum; first-mortgage product credit-score minimums apply. 주택 구매자 교육 이수가 필요하며, HUD-approved housing counseling agency: NeighborGood Partners (formerly NCALL), First State Community Action Agency, Interfaith Community Housing of Delaware, Neighborhood House. Minimum 8 hours of pre-purchase homeownership counseling and completion certificate required.을(를) 통해 받습니다. 거주 요건: Property must be located within Sussex County, DE, and remain the household's primary residence. 시민권 또는 이민 신분: U.S. citizen or eligible non-citizen per first-mortgage product rules. Household income must be less than 120% of HUD AMI for Sussex County (range approximately $82,080 1-person to $154,800 8-person under current 2025 HUD limits). Liquid assets may not exceed $15,000 within 3 months of application. Buyer cannot own any other real property at application or settlement (other than current primary residence being sold concurrently). Funds may be used for closing/settlement costs only - no cash back at settlement. Property must be in Sussex County, DE, and remain the household's primary residence. Home Inspection required for existing homes; Certificate of Occupancy required for new construction. Buyer must complete at least 8 hours of HUD-approved pre-purchase homeownership counseling and submit completion certificate. Funds provided as a soft-second 0% prorated mortgage; SCHTF mortgage will not be subordinated unless adequate equity exists to cover the SCHTF assistance amount.

Direct Homebuyer Assistance은(는) 가구 소득을 지역 중위 소득의 120%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be less than 120% of HUD AMI for Sussex County, DE. 2025 HUD income limits effective 4/1/25: <$81,960 (1-person), <$93,600 (2), <$105,360 (3), <$117,000 (4), <$126,360 (5), <$135,720 (6), <$145,080 (7), <$154,440 (8). 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Direct Homebuyer Assistance의 구매 가격 상한은 다음과 같습니다: No published Sussex County maximum purchase price; subject to first-mortgage product limits and SCHTF affordability/feasibility review. 대상 주택 유형: Single-family detached, Townhome, Duplex, Manufactured home on permanent foundation, Modular 및 New construction. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Direct Homebuyer Assistance은(는) Sussex 카운티, Delaware에서 주택을 구매하는 주택 구매자를 지원합니다.

Direct Homebuyer Assistance 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: HUD-approved housing counselor submits completed application and income verification to Sussex County CD&H; awarded first-come, first-served until annual funding round exhausted. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.