HouseHartford Homebuyer Assistance Program

HouseHartford Homebuyer Assistance Program é um empréstimo perdoável para compradores de imóveis em Hartford, Connecticut. HouseHartford is the City of Hartford's down-payment assistance program for low- and moderate-income homebuyers purchasing 1-4 family homes and condominiums in Hartford as primary residences. Created by the City of Hartford in partnership with HUD and Fannie Mae, the program provides up to 20% of the purchase price (maximum $40,000) as a 0% interest second-mortgage forgivable loan. The loan is forgiven over a 5- to 15-year affordability period tied to the assistance amount. The program is administered by the City of Hartford's Division of Housing within the Department of Development Services and is delivered through five participating lenders. Buyers must complete an 8-hour homebuyer class with a partner counseling agency (CRT, Mutual Housing of Greater Hartford, Urban League, or NHS of Greater New Britain) and the property must pass a pre-closing HouseHartford inspection. Since inception the program has assisted more than 1,300 Hartford families. Down-payment assistance up to 20% of the purchase price (maximum $40,000) structured as a 0% interest second-mortgage forgivable loan. Loan is forgiven over a 5- to 15-year affordability period (length tied to assistance amount) so long as the property is the buyer's primary residence. No monthly payments. May be used for 1-4 family homes and condominium units in the City of Hartford. Os recursos vêm de HOME, CDBG, Federal e Local Government.

HouseHartford Homebuyer Assistance Program oferece ajuda equivalente a 20% do preço de compra, conforme definido pelo programa. Contribuição do comprador de imóvel: Minimum buyer contribution from own funds: $1,000 (incomes <=50% AMI) or $2,000 (incomes 51-80% AMI). O programa pode ser combinado com outras ajudas, sujeito às regras de cada uma. Os valores são os máximos publicados pelo programa, não uma oferta — o órgão que administra o programa define qualquer ajuda individual.

HouseHartford Homebuyer Assistance Program é perdoado após 15 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por Forgivable second is forgiven over a 5-15 year affordability period so long as the property remains the buyer's primary residence. Due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. A ajuda é registrada como ônus em posição 2. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

HouseHartford Homebuyer Assistance Program é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: No published minimum FICO; underwriting follows the buyer's first-mortgage product (typically 620+). É exigido um curso de educação para compradores de imóveis, por meio de Community Renewal Team (CRT) 860-560-5501; Mutual Housing Association of Greater Hartford 860-296-1797; Urban League of Greater Hartford 860-527-0147; Neighborhood Housing Services of Greater New Britain 860-224-2433. 8-hour homebuyer class required. Requisito de residência: Property must be located within the City of Hartford, CT, and be the buyer's primary residence for the duration of the affordability period. Cidadania ou situação imigratória: U.S. citizen or eligible non-citizen permitted by HUD HOME rules and the buyer's first-mortgage product. Property must be a 1-4 family home or condominium located in the City of Hartford and used as the buyer's primary residence. Buyer must complete an 8-hour homebuyer education class with one of the City's education partners. Buyer must use their own funds for a minimum contribution of $1,000 (households at or below 50% AMI) or $2,000 (households >50%-80% AMI). Property must pass the HouseHartford pre-closing inspection (heat, hot water, electric, roof, smoke/CO detectors, GFCI, paint condition, plumbing, etc.). The first-mortgage payment must be 'affordable' per HouseHartford underwriting. A $250 application fee is due at closing after final funding approval. Maximum assistance is the lesser of 20% of the purchase price or $40,000.

HouseHartford Homebuyer Assistance Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. Household income must not exceed 80% of the Hartford Area Median Family Income (updated annually by HUD). 2025 limits: 1-person $70,950; 2-person $81,050; 3-person $91,200; 4-person $101,300; 5-person $109,450 (additional household-size steps published annually). O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

HouseHartford Homebuyer Assistance Program limita o preço de compra assim: No fixed dollar maximum; HUD HOME 95% maximum-purchase-price rule applies. Os tipos de imóvel elegíveis incluem Single-family detached, 2-unit, 3-unit, 4-unit e Condominium. Construções novas são elegíveis. Casas pré-fabricadas não são elegíveis.

HouseHartford Homebuyer Assistance Program atende compradores de imóveis que compram em Hartford, Connecticut.

As inscrições para HouseHartford Homebuyer Assistance Program são feitas por meio de o órgão que administra o programa, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Application submitted by participating lender on buyer's behalf to City of Hartford Division of Housing; subject to annual HUD HOME funding allocation. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.