Downpayment Assistance Program

Downpayment Assistance Program은(는) Augusta, Georgia 주택 구매자를 위한 탕감 가능 대출입니다. The Augusta Housing & Community Development Department's Downpayment Assistance Program provides low-to-moderate-income first-time homebuyers in Augusta-Richmond County with a deferred-payment forgivable second-mortgage loan of $1,000-$10,000 for down payment and closing costs. Funded by HUD HOME Investment Partnerships and the American Dream Down-payment Initiative (ADDI). The 5-year forgivable lien is reduced 20% per year and fully forgiven at the 5th anniversary if owner-occupancy and residential use are maintained. Deferred-payment forgivable loan from $1,000 up to $10,000 toward down payment and/or closing costs. The full balance is forgiven on the 5th anniversary of purchase if borrower continues to own and occupy the home and use remains residential. Within the 5-year period, 20% of the assistance amount is forgiven each year (1/5 per year). No monthly payments. 재원은 HUD HOME Investment Partnerships Program and American Dream Down-payment Initiative (ADDI); Federal에서 나옵니다.

Downpayment Assistance Program은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale, transfer of title, conversion to non-residential use, failure to occupy as primary residence, or rental of the property during the 5-year affordability period triggers repayment of the unforgiven balance (full balance year 1, declining 20% each year). After year 5 the lien is released. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Downpayment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time-homebuyer requirement waived for HUD-defined displaced homemakers and HUD-defined single parents (unmarried or legally separated with custody of one or more minor children, or pregnant). 신용에 대해 프로그램은 다음과 같이 명시합니다: No published minimum FICO; lender underwriting and 'satisfactory credit history' required. 주택 구매자 교육 이수가 필요하며, Department-approved homebuyer education program required prior to purchase; post-purchase counseling class also required prior to end of 5-year forgiveness period.을(를) 통해 받습니다. 거주 요건: Property must be located within Augusta-Richmond County, excluding the City of Blythe. Applicant must be a first-time homebuyer per HUD definition (no homeownership in last 3 years), or a HUD-defined displaced homemaker, or single parent (unmarried/legally separated with custody of one or more minor children, or pregnant). Court-ordered custody documentation required for surrogate family members. Applicant must have satisfactory income and employment, satisfactory credit history, and complete an AHCDD-approved homebuyer education course. Property must serve as sole place of residency (no rental, no commercial use). Annual residency documentation (utility bills) must be submitted during the 5-year affordability period. Post-homeowner counseling class required prior to end of forgiveness period.

Downpayment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Total annual household income cannot exceed 80% of HUD Area Median Income for Augusta-Richmond County (FY2025): 1p $49,500; 2p $56,550; 3p $63,600; 4p $70,650; 5p $76,350; 6p $82,000; 7p $87,650; 8p $93,300. Household income includes wages, salaries, government and non-government benefits, court-ordered child support, alimony, and stock dividends of all household members listed on application (including employed children). 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.

Downpayment Assistance Program은(는) 구매 가격 상한을 $253,000(으)로 정합니다. 대상 주택 유형: One-unit single-family dwelling (attached or detached) designed for residential use, intended for owner-occupancy. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Downpayment Assistance Program은(는) Augusta, Georgia에서 주택을 구매하는 주택 구매자를 지원합니다.

Downpayment Assistance Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Lender submits sales contract and applicant documentation to AHCDD after first mortgage application. AHCDD reviews and inspects the property; if approved, voluntary sales certification is sent to the seller and closing is scheduled with the closing attorney. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.