CT Forever Home

Ang CT Forever Home ay isang pangalawang loan na babayaran para sa mga bibili ng bahay sa Connecticut, na pinangangasiwaan ng Housing Development Fund, Inc. (HDF). CT Forever Home is a down payment assistance program offered by the Housing Development Fund (HDF), a statewide Connecticut nonprofit CDFI and NeighborWorks chartered member. It is a fully amortizing second mortgage of up to $28,000 at a 1% interest rate (APR 1.191%) to help first-time homebuyers with down payment costs anywhere in Connecticut. It may be layered with HDF's SmartMove CT. Properties are deed-restricted for 10 years; resale within that period must be at a price affordable to other homebuyers. Borrowers must use an HDF participating lender and complete homebuyer education. Up to $28,000 in down payment assistance. Low 1% interest rate (APR 1.191%). Stackable with HDF SmartMove CT. Available statewide in Connecticut. Buyer contributes only 1% of own funds.

Nag-aalok ang CT Forever Home ng tulong na hanggang $28,000. Ambag ng bibili ng bahay: Applicant must have at least 1% of the purchase price, plus inspection fees, appraisal fees, one year of homeowners insurance, and reserves. Maaaring isama ang programa sa HDF SmartMove CT (and may be layered with another mortgage product). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Housing Development Fund, Inc. (HDF) ang nagpapasya sa anumang indibidwal na award.

Ang CT Forever Home ay isang pangalawang loan na babayaran at binabayaran ayon sa mga tuntuning itinakda ng Housing Development Fund, Inc. (HDF). Kailangang bayaran kapag may Fully amortizing second mortgage repaid via monthly payments; balance due on sale or payoff. A 10-year deed restriction applies; if sold before the 10-year period ends, the home must be sold at a price affordable to other homebuyers. Nakatala ang tulong bilang lien sa posisyong Second. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang CT Forever Home sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Tungkol sa credit, sinasabi ng programa: No specific minimum credit score published; applicant must have no outstanding collections, charge-offs, or current past-due accounts (or paid prior to applying). No bankruptcy in the last 4 years (from discharge); no foreclosure in the last 7 years. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved agency, or online via eHome (ehomeamerica.org/HDF) or Finally Home; a landlord training class is also required when buying a multi-family home. Citizenship o katayuan sa imigrasyon: U.S. citizen, U.S. permanent resident (green card), or holder of an approved visa from HDF's acceptable-visa list. Verified active as of December 2025 (program page last modified 2025-12-03); flyer states available for a limited time. First mortgage must be a 30-year fixed-rate loan from an HDF participating lender; no cash back at closing; recommended ratios 37%/45%. An aggregator claim (CHFA first mortgage + $1,000 minimum) was NOT used because HDF's own materials contradict it.

Ganito itinatakda ng CT Forever Home ang income limit nito: HDF income guidelines apply; the flyer states income limits and other eligibility requirements may apply. Program-specific limits were not published (the county income table on HDF's site applies only to SmartMove, not CT Forever Home). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng CT Forever Home ang presyo ng pagbili: A sales price limit applies; the specific limit was not published on HDF's primary sources reviewed. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condominium, Multi-Family (2-4 units), PUD, at Manufactured (if affixed to foundation). Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng CT Forever Home ang mga bibili ng bahay kahit saan sa Connecticut.

Dumadaan sa Housing Development Fund, Inc. (HDF) ang mga aplikasyon para sa CT Forever Home, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.