DreamMaker Home Purchase Assistance

DreamMaker Home Purchase Assistance은(는) Savannah, Georgia 주택 구매자를 위한 상환 유예 후순위 대출입니다. DreamMaker Home Purchase Assistance is the City of Savannah's primary first-time-homebuyer DPA. Administered by the Housing & Neighborhood Services Department, it provides 2% interest, 30-year deferred-payment second-mortgage loans for down payment, closing cost, and gap financing on a primary residence within Savannah city limits. Two assistance levels: up to $50,000 for housing developed in partnership with the City of Savannah (e.g., Savannah Gardens, City development partnerships) and up to $30,000 for other qualifying single-family housing in the City. Property must pass City Adopted Housing Code inspection. Buyer must complete homeownership counseling and contribute approximately $1,000 of own funds. Open to all qualifying first-time buyers (no employer restriction). Affordable second-mortgage loan for down payment, closing cost, and gap financing assistance. Two conditions: (1) up to $50,000, 2% interest, 30-year deferred-payment loan for housing developed in partnership with the City of Savannah. (2) up to $30,000, 2% interest, 30-year deferred-payment loan for all other housing within City of Savannah limits. Loan is repayable upon transfer of title (sale), refinance, or demise. No interest is charged while the loan is in good standing (deferred 30 years if buyer remains owner-occupant). 재원은 HUD HOME Investment Partnerships Program; CDBG; Federal (administered by City of Savannah HNSD)에서 나옵니다.

DreamMaker Home Purchase Assistance은(는) 최대 $7,500의 지원을 제공합니다. 주택 구매자 부담금: Buyer generally needs to invest approximately $1,000 of own funds depending on program tier and lender requirements. 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.

DreamMaker Home Purchase Assistance은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: Repayable upon sale (transfer of title), refinance, or demise of borrower. The loan is deferred for 30 years provided the purchaser resides in the property as their primary residence and the loan is not in default. No interest charged while loan is in good standing. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

DreamMaker Home Purchase Assistance의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer requirement; standard HUD definition (no homeownership in prior 3 years) generally applies. HUD-defined displaced homemaker and single-parent exceptions follow HOME rules. 신용에 대해 프로그램은 다음과 같이 명시합니다: 640+ FICO (per program tracking). 주택 구매자 교육 이수가 필요하며, HUD-approved housing counseling agency homeownership education course required (City of Savannah maintains a list of approved counseling agencies; CHSA is a primary partner).을(를) 통해 받습니다. 거주 요건: Property must be located within City of Savannah city limits. 시민권 또는 이민 신분: U.S. citizen or qualified alien (HUD HOME requirement). First-time-homebuyer requirement; buyers must qualify for first mortgage on competitive terms; must invest approximately $1,000 of own funds depending on program/lender. Property must be located within City of Savannah city limits, cannot be occupied at application unless occupant is buyer or seller, and must pass City of Savannah Adopted Housing Codes inspection by HNSD Construction Specialist before commitment letter is issued. Pre-1978 homes cannot have defective paint at inspection. Required seller repairs must be completed and confirmed prior to commitment letter. Buyer must take homeownership course. Buyer must occupy as primary residence; cannot rent the home.

DreamMaker Home Purchase Assistance은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be at or below 80% AMI for the Savannah, GA MSA / Chatham County (FY2025 HUD Section 8 limits, effective 6/1/2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. (Internal seed range $69,750-$131,565 reflected DCA Georgia Dream targeting and DreamMaker tier work-around; the binding HUD limit governs DreamMaker eligibility.). 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.

DreamMaker Home Purchase Assistance은(는) 구매 가격 상한을 $255,000(으)로 정합니다. 대상 주택 유형: Single-family residential property (new or existing) in good condition that complies with program requirements and the City of Savannah's Adopted Housing Codes. 신축 주택도 대상입니다.

DreamMaker Home Purchase Assistance은(는) Savannah, Georgia에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: City-designated Target Neighborhoods receive enhanced DreamMaker 2 assistance ($7,500 deferred). Savannah Gardens area receives enhanced DreamMaker 3 assistance ($40,000-$60,000) for housing developed in partnership with the City.

DreamMaker Home Purchase Assistance 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Buyer schedules appointment with HNSD or partner Community Housing Services Agency (CHSA) to determine basic eligibility. Lender or realtor coordinates with HNSD/CHSA. Funds reserved on first-come, first-served basis subject to availability. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.