Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) — это списываемый заём для покупателей жилья: Hamilton, Ohio; администратор — Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown. Neighborhood Housing Services of Hamilton, Inc. administers a Down Payment and Closing Cost Assistance (DPA) Program for Butler County, the City of Hamilton, and the City of Middletown. The assistance helps eligible homebuyers purchasing a home in those jurisdictions and is provided as a 5-year non-amortized forgivable loan toward down payment and eligible closing costs. Forgivable loan of $1,000 minimum up to $7,500 maximum. City of Hamilton: up to $7,500, up to 50% of lender-required down payment, can cover 100% of reasonable closing costs and provide principal write-downs. Butler County: $7,500 not to exceed 6% of purchase price. City of Middletown: 6% of purchase price not to exceed $7,500. Источник финансирования: HUD HOME Investment Partnerships Program funds via Butler County, City of Hamilton, and City of Middletown.

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) предоставляет от $1,000 до $7,500 помощи. Суммы — это опубликованные программой максимумы, а не предложение; размер каждой отдельной помощи определяет Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown.

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton): долг списывается через 5 лет, поэтому покупателю жилья, который проживёт в доме этот срок, возвращать ничего не нужно. Возврат требуется в случае: Failure to occupy as principal residence or sale/transfer before the end of the 5-year forgivable term; remaining pro-rated balance collected at closing from sale proceeds. Помощь регистрируется как залог в очереди: second. Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) открыта для покупателей жилья, которые будут жить в доме как в основном месте жительства. Обязателен курс для покупателей жилья. 5-year non-amortized forgivable loan; 20% forgiven each year. Pro-rated balance repaid if borrower fails to occupy as principal residence or sells before the 5-year term ends; secured by a subordinate mortgage held by the municipality where the property is located. Borrower must contribute at least $500 of own (non-gifted) funds. 8 hours of pre- and post-purchase counseling required (Hamilton). Homebuyer Education Certificate from a HUD-approved agency required (valid 1 year). All bankruptcies must be at least 2 years from discharge. Property must pass a Housing Quality Standards (HQS) inspection and be free of lead-based paint hazards. First mortgage must be a fixed-rate, fully amortizing loan with escrows. City of Hamilton applicants must authorize verification of immigration status. No cash back at closing; DPA cannot pay off personal debt. Condominiums eligible only in Butler County and City of Middletown. NOTE: borrower must purchase within the specific qualifying jurisdiction; verify current city/county allocation and funding availability (first-come, first-served).

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ограничивает доход домохозяйства 80% от медианного дохода по району, который зависит от округа и размера семьи. Total household income at or below 80% of area median income (AMI) per HUD; income from all household members 18+ counted (excluding full-time students). FY2025 HUD HOME income limits for Butler County effective June 1, 2025 (e.g., 1-person $62,650; 4-person $89,450). Total DTI not to exceed 43% (Butler County and Hamilton); City of Middletown housing ratio not to exceed 30% (with documented exceptions up to 43%). Показатели медианного дохода по району публикует HUD и обновляет ежегодно, поэтому, прежде чем полагаться на цифру, сверьтесь с действующей таблицей для округа.

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ограничивает цену покупки суммой $277,000.

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) помогает покупателям жилья, которые покупают в этом месте: Hamilton, Ohio. Программа отдаёт приоритет установленным целевым районам, поэтому важен не только округ, но и адрес.

Заявки на Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) подаются через Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown; агентство публикует действующие условия и порядок подачи на своём сайте. Hey Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.