Settlement Expense Loan Program (SELP)/Closing Cost Program

Settlement Expense Loan Program (SELP)/Closing Cost Program은(는) Baltimore 카운티, Maryland 주택 구매자를 위한 상환 유예 후순위 대출입니다. Baltimore County's flagship closing-cost DPA: up to $10,000 deferred 15-year-forgivable second for first-time buyers in Community Conservation Areas. 0% interest, no monthly payment. 80% AMI, 5%-of-gross-income buyer contribution. Administered through partner counseling agencies. Up to $10,000 deferred forgivable closing-cost loan from Baltimore County Department of Housing & Community Development for first-time homebuyers purchasing in Baltimore County's designated Community Conservation Areas. Structured as a 0% interest deferred loan, FORGIVEN after 15 YEARS of continuous owner-occupancy as principal residence (full $10,000 due if sold/transferred/defaulted before end of 15-year affordability period). 80% area median income cap (adjusted for household size). First-time homebuyer required (no primary residence in past 3 years). Borrower must have liquid cash equal to 5% of GROSS household income to contribute toward purchase. Administered through Baltimore County's affiliated housing counseling agencies (Diversified Housing Development Inc., GO Northwest, etc.). Pairs with Maryland Mortgage Program (MMP) and other FHA/VA/USDA/conventional first mortgages. 재원은 Federal CDBG, Federal HOME 및 Local Government에서 나옵니다.

Settlement Expense Loan Program (SELP)/Closing Cost Program은(는) 15년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: 15-year forgiveness if owner-occupied as principal residence throughout the 15-year affordability period. If sale/transfer of title/default before end of 15 years, FULL $10,000 becomes due. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Settlement Expense Loan Program (SELP)/Closing Cost Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Standard 3-year FTHB lookback; HUD displaced-homemaker / single-parent exceptions. 신용에 대해 프로그램은 다음과 같이 명시합니다: No SELP-published minimum; first-mortgage lender's product minimums apply. 주택 구매자 교육 이수가 필요하며, Baltimore County-affiliated HUD-approved housing counseling agencies: Diversified Housing Development, Inc.; GO Northwest Housing Resource Center; St. Ambrose Housing Aid Center; NHS of Baltimore (also serves county clients).을(를) 통해 받습니다. 거주 요건: Property must be in Baltimore County's designated Community Conservation Areas and serve as primary residence. 시민권 또는 이민 신분: Per first-mortgage product rules. First-time homebuyer (no primary residence ownership in past 3 years; HUD displaced-homemaker / single-parent exceptions). Property must be located in Baltimore County's designated Community Conservation Areas (CCAs - older, established communities targeted for revitalization; map available from Baltimore County DHCD/Planning). 80% area median income cap (HUD limits, by household size). Owner-occupied primary residence. Buyer must contribute cash equal to 5% of gross annual household income. 15-year affordability period (forgivable if owner-occupied throughout). $10,000 maximum loan. Pre-purchase counseling certificate from Baltimore County-affiliated agency required.

Settlement Expense Loan Program (SELP)/Closing Cost Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income at or below 80% area median income (HUD), adjusted for household size. Baltimore County uses Baltimore-Towson HMFA limits. 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.

Settlement Expense Loan Program (SELP)/Closing Cost Program의 구매 가격 상한은 다음과 같습니다: No SELP-published purchase-price ceiling; subject to first-mortgage limits and MMP purchase-price limits if MMP-paired. 대상 주택 유형: Single-family detached, Townhome, Rowhouse 및 Condominium. 신축 주택은 대상이 아닙니다. 조립식 주택은 대상이 아닙니다.

Settlement Expense Loan Program (SELP)/Closing Cost Program은(는) Baltimore 카운티, Maryland에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: TARGETED AREAS: Baltimore County's designated Community Conservation Areas (CCAs) - older, established communities targeted for revitalization. Includes Dundalk, Essex/Middle River, Catonsville, Lansdowne, Arbutus, Towson core, Pikesville, Randallstown, Woodlawn (older sections), etc. CCA map available from Baltimore County DHCD/Planning.

Settlement Expense Loan Program (SELP)/Closing Cost Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Application processed through Baltimore County-affiliated housing counseling agency. First-come, first-served 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.