Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program é um empréstimo perdoável para compradores de imóveis em Condado de Cumberland, Pennsylvania, administrado por The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities). A county-funded first-time homebuyer down payment and closing cost assistance program providing up to $5,000 (up to $3,000 for 80-100% AMI; up to $5,000 below 80% AMI) as a five-year, no-interest, forgivable second-mortgage loan, matching the buyer's contribution 3-to-1. Applicants must have lived or worked in Cumberland County for six months, be a first-time homebuyer, have a 620+ credit score, complete homebuyer education, hold no more than $30,000 in assets after settlement, and purchase a single-family home in Cumberland County. Up to $5,000 in DP/closing cost assistance. No interest, no monthly payments. Fully forgiven after 5 years. 3-to-1 match on buyer contribution. No maximum purchase price. Os recursos vêm de County of Cumberland (administered via the Redevelopment Authority of Cumberland County); awards each year depend on the annual allocation.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program oferece até $5,000 de ajuda. Faixas de ajuda: 80-100% of County Median Income: up to $3,000. Below 80% of County Median Income: up to $5,000. Contribuição do comprador de imóvel: Buyer must contribute their own funds matched 3-to-1 (program provides $3 per $1 of buyer funds); match capped at $3,000 (80-100% AMI) or $5,000 (below 80% AMI). Os valores são os máximos publicados pelo programa, não uma oferta — The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities) define qualquer ajuda individual.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program é perdoado após 5 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por Sale, transfer, or loss of owner-occupancy before the 5-year forgiveness term completes; 1/60 forgiven per month. A ajuda é registrada como ônus em posição Second. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time = never owned a home; owned a mobile home but not the land; displaced homemaker; or not owned a home within the last three years. Sobre crédito, o programa afirma: Credit score of 620 or higher with lender documentation. É exigido um curso de educação para compradores de imóveis, por meio de Any HUD-approved Housing Counseling agency; certificate of completion required prior to settlement. Requisito de residência: Must have lived or worked in Cumberland County for at least six months. PROGRAM STATUS: official program page (modified 2026-05-27) states the program CLOSES TO NEW APPLICATIONS EFFECTIVE JULY 1, 2026; active and accepting applications as of the research date (2026-06-15). Upon approval, applicant has up to 6 months to close. Detailed guidelines/application/grant-agreement PDFs are linked on the program page but cached copies returned mismatched documents; values are from the official HTML program page only. Max DTI, citizenship, new-construction/HOA/flood-zone, and loan-mechanics fields not specified (null).

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program limita a renda familiar a 100% da renda mediana da região, que varia conforme o condado e o tamanho da família. 2026 income limits (gross annual household income not to exceed 100% AMI): 1: 80%=$61,250/100%=$76,600; 2: $70,000/$87,500; 3: $78,750/$98,400; 4: $87,450/$109,300; 5: $94,450/$118,100; 6: $101,450/$126,800; 7: $108,450/$135,600; 8: $115,450/$144,300. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. 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.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program limita o preço de compra assim: No maximum purchase price; eligible applicants may purchase single-family homes of any price in Cumberland County. Os tipos de imóvel elegíveis incluem Single-family detached, Manufactured home (HUD code, permanently affixed) e Modular/factory-built housing. Casas pré-fabricadas são elegíveis.

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program atende compradores de imóveis que compram em Condado de Cumberland, Pennsylvania.

As inscrições para Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program são feitas por meio de The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Applications accepted year-round; funds reserved first-come, first-served subject to availability. 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.