Esperanza Down Payment Assistance Program

Esperanza Down Payment Assistance Program은(는) New Brunswick, New Jersey 주택 구매자를 위한 탕감 가능 대출입니다. The Esperanza Down Payment Assistance Program is a place-based DPA grant launched in February 2022 by NJCC's Address Yourself(TM) program in partnership with New Brunswick Tomorrow, the lead organization in the Esperanza Neighborhood Project. The Esperanza Neighborhood Project is a Latino/Hispanic community revitalization initiative in New Brunswick, NJ, and the name 'Esperanza' (Spanish for 'Hope') reflects its focus on Latino-rooted neighborhoods. The program provides up to $30,000 in DPA to income-eligible first-time homebuyers purchasing 1-4 family primary residences within the Esperanza Neighborhood. Structured as a 5-year forgivable grant at 0% interest. First closings under the program occurred in October 2023. Provides up to $30,000 in down payment and closing cost assistance to income-eligible first-time homebuyers purchasing in the Esperanza Neighborhood of New Brunswick, NJ. Sponsored by New Brunswick Tomorrow, the lead organization in the Esperanza Neighborhood Project. Structured as a 5-year forgivable second mortgage at 0% interest with no monthly payment. 재원은 Nonprofit 및 Foundation에서 나옵니다.

Esperanza Down Payment Assistance Program은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale, refinance (without subordination), or property no longer used as primary residence prior to 5-year forgiveness 및 balance forgiven 20% per year. 지원금은 2nd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Esperanza Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer requirement applies (no ownership in prior 3 years). 신용에 대해 프로그램은 다음과 같이 명시합니다: Per first-mortgage product overlay (typically 620+ FICO). 주택 구매자 교육 이수가 필요하며, NJCC- and HUD-approved housing counseling agencies; pre-purchase counseling certificate (within 1 year) required을(를) 통해 받습니다. 거주 요건: Property must be located within the Esperanza Neighborhood of New Brunswick (Middlesex County), NJ, and used as the borrower's primary residence. 시민권 또는 이민 신분: U.S. citizen, qualified non-citizen, or ITIN holder eligible. Property must be located within the Esperanza Neighborhood of New Brunswick, NJ. Owner-occupied 1-4 family primary residence only. Must enroll in the Address Yourself homeownership program and complete HUD-approved pre-purchase counseling. ITIN holders eligible. Esperanza Neighborhood Project is a Latino/Hispanic-focused community revitalization initiative led by New Brunswick Tomorrow; the DPA is open to all income-eligible buyers in the geographic area but the broader program is designed to expand homeownership for Hispanic/Latino families in New Brunswick.

Esperanza Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 100%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Up to 100% of HUD Area Median Income for Middlesex County (within New York-Jersey City-White Plains, NY-NJ HUD MFI area), adjusted for household size. Cross-county statewide reference range: 1-person $100,100 up to 8-person $188,700. New Brunswick / Middlesex County specific 100% AMI: 1-person ~ $100,100; 4-person ~ $142,300; 8-person ~ $188,700. 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.

Esperanza Down Payment Assistance Program의 구매 가격 상한은 다음과 같습니다: No published maximum purchase price; subject to first-mortgage product limits. 대상 주택 유형: 1-4 family residential property occupied as primary residence. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Esperanza Down Payment Assistance Program은(는) New Brunswick, New Jersey에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Eligible only for properties in the Esperanza Neighborhood of New Brunswick, NJ - a Latino/Hispanic-rooted community revitalization area led by New Brunswick Tomorrow. Place-based / culturally-targeted program; the geographic boundary is the Esperanza Neighborhood Project footprint.

Esperanza Down Payment Assistance Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Reserved through Address Yourself application process once borrower is enrolled, preapproved, and under contract on a property in the Esperanza Neighborhood. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.