City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)은(는) Winston-Salem, North Carolina 주택 구매자를 위한 상환 유예 후순위 대출이며, Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement)에서 운영합니다. Down payment and closing cost assistance for first-time homebuyers purchasing within the city limits of Winston-Salem, funded by the City of Winston-Salem HUD CDBG and HOME funds. Under an Interlocal Agreement (Sept 21, 2023 - June 30, 2026), the City contracted Forsyth County Community & Economic Development to administer these funds for properties inside Winston-Salem city limits, through the County unified Homebuyer Assistance Program. Assistance is a 0% deferred silent second loan secured by a Deed of Trust with deed restrictions. Buyers must be first-time homebuyers at or below 80% AMI, complete HUD-approved homebuyer education, and occupy the home as their primary residence. Down payment and closing cost assistance. 0% deferred silent second mortgage. Repayment deferred 30 years while occupied as primary residence. Origination fees eligible up to 1.5%. 재원은 City of Winston-Salem HUD CDBG and HOME funds (administered by Forsyth County CED via Interlocal Agreement)에서 나옵니다.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: Due when first mortgage is paid in full, upon sale/transfer of title, cash-out refinance, change in owner-occupancy, foreclosure, default, or death; affordability/deferral period is 30 years per 24 CFR 92.254. 지원금은 Subordinate (second/third) - Deed of Trust with deed restrictions; priority based on amount of assistance 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time = no ownership interest in a principal residence during the 3-year period ending on purchase date (HUD/FHA), with standard displaced-homemaker/single-parent exceptions. 신용에 대해 프로그램은 다음과 같이 명시합니다: Minimum 600 for AHOP-HOME (City CDBG/HOME track); 640 for NCHFA CPLP (660 for new manufactured homes). Lower of two scores used. 주택 구매자 교육 이수가 필요하며, Center for Homeownership (Financial Pathways of the Piedmont), Winston-Salem; Housing Foundation of America, Greensboro. 8-hour HUD-approved class plus County Home Maintenance course.을(를) 통해 받습니다. 거주 요건: Property must be within the city limits of Winston-Salem (City CDBG/HOME funds). 0% deferred silent second loan; repayment deferred 30 years (HOME/AHOP affordability period) while occupied as primary residence; due when first mortgage is paid in full, on sale/transfer, cash-out refinance, foreclosure, default, or death. Occupy within 60 days. First mortgage rate must not exceed 1% above NCHFA published rates. 8-hour HUD-approved homebuyer education plus a Home Maintenance course required. Max cash back to buyer at closing $2,500. This is the Winston-Salem-only CDBG/HOME component of Forsyth County CED unified Homebuyer Assistance Program; cataloged Forsyth County AHOP serves the county excluding Winston-Salem and Walkertown. City-specific maximum dollar amount not separately published (left blank, not guessed); overall unified program max combined assistance is $90,000 (AHOP-HOME $40,000 + CPLP $50,000).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Total household compliance income must not exceed 80% AMI for the Winston-Salem HUD area, adjusted for size. 2025 80% AMI (eff. June 1, 2025): 1p $48,550; 2p $55,500; 3p $62,450; 4p $69,350; 5p $74,900; 6p $80,450; 7p $86,000; 8p $91,550. 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.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)의 구매 가격 상한은 다음과 같습니다: May not exceed HUD-published Maximum Sales Price limits for Forsyth County, NC (updated annually); appraised value must be >= sales price. 대상 주택 유형: Single Family, Townhouse, Condo, Modular 및 Manufactured. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)은(는) Winston-Salem, North Carolina에서 주택을 구매하는 주택 구매자를 지원합니다. 대상 동네: City of Winston-Salem city limits.

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance) 신청은 Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served until program funding is depleted. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.