Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) Elgin, Illinois 주택 구매자를 위한 상환 유예 후순위 대출이며, Kane County Office of Community Reinvestment (Kane-Elgin HOME Consortium)에서 운영합니다. Through the Kane-Elgin HOME Consortium, Kane County's Office of Community Reinvestment offers eligible first-time homebuyers a 0 percent deferred-payment second mortgage of up to $10,000 toward down payment and customary closing costs. The Program Area expressly includes all of the City of Elgin, including the portion in Cook County. The loan is not a grant or forgivable loan; the full amount is repaid out of net proceeds when the home is sold, title is transferred, or it ceases to be the borrower's primary residence (with a 5-year HUD affordability period). Applicants must be at or below 80 percent AMI, complete HUD-certified counseling, contribute at least 1 percent of the purchase price, and buy within the program area. Up to $10,000 in down payment and closing cost assistance. 0 percent interest. No monthly payments (deferred). Borrower chooses their own lender. Covers all of the City of Elgin including the Cook County portion. 재원은 Federal HOME Investment Partnerships Program (Kane-Elgin HOME Consortium).에서 나옵니다.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) 최대 $10,000의 지원을 제공합니다. 주택 구매자 부담금: Applicant must contribute a minimum down payment of at least 1 percent of the purchase price from own funds (earnest money); lender may require more. 이 프로그램은 An additional up to $10,000 is available if the home is within the city limits of St. Charles (not applicable to Elgin).와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Kane County Office of Community Reinvestment (Kane-Elgin HOME Consortium)에서 정합니다.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: Loan is due in full out of net proceeds when the home is sold, title is transferred, or the household no longer occupies the home as its primary residence. 지원금은 Second 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer defined as not having owned a home in the last 3 years. 주택 구매자 교육 이수가 필요하며, HUD-certified housing counseling agency of buyer's choice with customized counseling (online/group courses alone do not qualify). Local agencies: The Neighbor Project (Aurora); Consumer Credit Counseling Service of Northern Illinois (Elgin); DuPage Homeownership Center (Wheaton).을(를) 통해 받습니다. 거주 요건: Must currently live or work full-time in Kane County and the Kane-Elgin Consortium Area, and have done so for at least one year before the application date. Complete HUD-certified homebuyer counseling (customized; online/group-only courses do not qualify) before signing a purchase contract. A required Real Estate Sales Contract Rider must be signed and attached to the initial offer or the property is ineligible. Contract closing date must be 35-plus days from execution. Property must pass county general and visual lead inspections. No cash back to buyer; no other debt paid at closing. Front-end housing ratio 25-32 percent; back-end DTI cap 50 percent. Assistance amount may be reduced after asset/cash-reserve review. GAP: minimum credit score not stated (no credit-score requirement found). GAP: max liquid assets not a hard cap (reviewed case-by-case). GAP: annual funding cap / reservation system not published. GAP: HUD AMI year/MSA not stated; income limits dated effective 6/15/23. GAP: provider phone not listed on program docs (contact by email). Note: the City of Elgin does not run a separate standalone DPA program; its DPA is delivered through this Kane-Elgin HOME Consortium program.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income (HUD-projected gross, adjusted for household size) must not exceed federal limits. Effective 6/15/23: 1 $61,800; 2 $70,600; 3 $79,450; 4 $88,250; 5 $95,350; 6 $102,400; 7 $109,450; 8-plus $116,050. Front-end housing ratio 25-32 percent; back-end ratio not exceeding 50 percent. 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.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) 구매 가격 상한을 $287,000(으)로 정합니다. 대상 주택 유형: Single Family, Condo 및 Townhouse. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium)은(는) Elgin, Illinois에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Kane-Elgin Consortium Area: all of Kane County except Aurora, Algonquin, Barrington Hills, Bartlett, Hampshire, Huntley, Hoffman Estates, Montgomery, and the DuPage portion of Wayne; plus all of the City of Elgin (including its Cook County portion), all of the Village of Maple Park, and all of the City of St. Charles.

Kane County First-Time Homebuyer Deferred Loan Program (Kane-Elgin HOME Consortium) 신청은 Kane County Office of Community Reinvestment (Kane-Elgin HOME Consortium)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.