City of Savannah Employee Home Purchase Assistance

City of Savannah Employee Home Purchase Assistance은(는) Savannah, Georgia 주택 구매자를 위한 탕감 가능 대출입니다. The City of Savannah Employee Home Purchase Assistance Program is a 0% interest, 5-year forgivable second-lien loan of up to $15,000 administered by the City of Savannah Housing & Neighborhood Services Department for the purpose of helping qualified City of Savannah employees (below the level of department head, in good standing) purchase their first home within the city limits. The forgiven amount is reported as W-2 income to the employee. The loan can be combined with DreamMaker DPA funds if the buyer is also DreamMaker-eligible. Property must pass private inspection and a City Construction Specialist inspection prior to commitment letter. Pre-1978 homes cannot have defective paint. Up to $15,000, 0% interest, forgivable loan toward down payment and closing costs. Loan is forgiven and not repaid if the buyer continues to work for the City of Savannah and continues to be the owner-occupant of the house for 5 years from the date of the loan. The forgiven amount is reported as income on the employee's annual W-2. 재원은 City of Savannah General Fund (employer-paid benefit) administered through HOME/CDBG framework에서 나옵니다.

City of Savannah Employee Home Purchase Assistance은(는) 최대 $15,000의 지원을 제공합니다. 주택 구매자 부담금: No published minimum buyer contribution; combination with DreamMaker may impose $1,000. 이 프로그램은 각 지원의 규정에 따라 다른 지원과 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 운영 기관에서 정합니다.

City of Savannah Employee Home Purchase Assistance은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Within the 5-year affordability period: cessation of City employment, sale or transfer of title, refinance with cash-out, or failure to occupy as primary residence triggers repayment of the unforgiven balance. Loan is fully forgiven on the 5th anniversary if the buyer remains a City employee and the owner-occupant. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

City of Savannah Employee Home Purchase Assistance의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer required (consistent with DreamMaker family of programs); applicant must not own other residential property. 신용에 대해 프로그램은 다음과 같이 명시합니다: 640+ FICO required (per program tracking). 주택 구매자 교육 이수가 필요하며, Homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network).을(를) 통해 받습니다. 거주 요건: Property must be located within City of Savannah city limits. Restricted to employees of the City of Savannah who are below the level of department head. Employee must be in good standing and without recent disciplinary actions at time of purchase. Property must be located within the City of Savannah city limits and cannot be occupied at time of application unless occupant is buyer or seller. Pre-1978 homes cannot have defective paint at inspection. Private inspection required; City of Savannah Construction Specialist inspection required prior to issuance of funding commitment letter; required repairs must be completed by seller and confirmed by City staff before commitment letter issued. Forgiven amount is reported as income on annual W-2. Assistance can be used in combination with DreamMaker assistance if buyer is also DreamMaker-eligible. Buyer must qualify for first-mortgage financing on competitive terms. RESTRICTED EMPLOYER: only City of Savannah employees may apply.

City of Savannah Employee Home Purchase Assistance의 소득 한도는 다음과 같습니다: No published household income limit; eligibility is restricted to City of Savannah employees below department head level. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

City of Savannah Employee Home Purchase Assistance의 구매 가격 상한은 다음과 같습니다: No published maximum purchase price; property must be located within City of Savannah limits and meet program standards. 대상 주택 유형: New and existing single-family houses in good condition that comply with program requirements 및 property must be located within Savannah city limits. 신축 주택도 대상입니다.

City of Savannah Employee Home Purchase Assistance은(는) Savannah, Georgia에서 주택을 구매하는 주택 구매자를 지원합니다.

City of Savannah Employee Home Purchase Assistance 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Employee contacts HNSD at (912) 651-6926 or employeedownpayment@savannahga.gov to schedule appointment, then completes application with HNSD before contracting; ongoing year-round subject to fund availability. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.