Hamden First-Time Homeownership Downpayment Assistance Program

Ang Hamden First-Time Homeownership Downpayment Assistance Program ay isang silent second mortgage para sa mga bibili ng bahay sa Hamden, Connecticut, na pinangangasiwaan ng Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development). A CDBG-funded down-payment assistance program run by the Town of Hamden Department of Community Development to help low- and moderate-income first-time homebuyers purchase in Hamden's CDBG target areas (Highwood, State Street, Hamden Plains). Qualified applicants receive up to $5,000 in matching funds as an interest-free, no-monthly-payment second mortgage repaid upon sale or transfer, usable for down payment and/or attorney fees. Up to $5,000 matching down-payment assistance. Interest-free, no monthly payments. Usable for down payment and/or attorney fees. $500 AGI credits for minor children, elderly, disabled, veteran/military. Town-paid lead inspection for pre-1978 homes. Ang pondo ay mula sa Federal CDBG funds administered by the Town of Hamden.

Nag-aalok ang Hamden First-Time Homeownership Downpayment Assistance Program ng tulong na hanggang $5,000. Ambag ng bibili ng bahay: Structured as matching funds (up to $5,000) toward the buyer's down payment and/or attorney fees. Maaaring isama ang programa sa Requires a primary first mortgage; functions as matching down-payment assistance. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Hamden First-Time Homeownership Downpayment Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repayment due upon sale or transfer of the property, per the grant commitment terms. Nakatala ang tulong bilang lien sa posisyong Second mortgage / lien. 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 Hamden First-Time Homeownership Downpayment Assistance Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": No ownership in any residential property within 3 years of application. Tungkol sa credit, sinasabi ng programa: Not specified; Town may verify credit history. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing/credit counseling agency; Pre-Purchase Counseling Certificate required. Requirement sa paninirahan: Home purchased within the Town of Hamden, primarily in CDBG target areas (Highwood, State Street, Hamden Plains); outside-area homes case-by-case. Geographically targeted: purchase generally within Hamden CDBG target areas (Highwood, State Street, Hamden Plains); outside is case-by-case. Pre-purchase counseling certificate required. Liquid assets after closing must not exceed $20,000 (excl. pensions, life insurance, IRAs). All applicant taxes (incl. CT motor vehicle) must be current. Pre-1978 homes need lead assessment + clearance. Application on file rev. 4/2021; income limits and current funding should be verified with the Town (203-562-5129 x1121). A separate Hamden EDC Homebuyer Assistance Grant of up to $15,000 also exists and is not documented here.

Nililimitahan ng Hamden First-Time Homeownership Downpayment Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income <= 80% of median family AGI for the New Haven/Meriden MSA, adjusted for family size. Policies & Procedures table: 1p $54,950; 2p $62,800; 3p $70,650; 4p $78,500; 5p $84,800; 6p $91,100; 7p $97,350; 8p $103,650. ($500 AGI credit each for minor child, elderly 62+, disabled member, and veteran/military status.). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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.

Magagamit ang Hamden First-Time Homeownership Downpayment Assistance Program para sa Single Family at 2-4 Unit.

Pinaglilingkuran ng Hamden First-Time Homeownership Downpayment Assistance Program ang mga bibili ng bahay sa Hamden, Connecticut. Tinutukoy ng programa ang mga partikular na lugar: Hamden CDBG target areas - Highwood, State Street, Hamden Plains (eligible streets listed in the application). Outside-area homes case-by-case.

Dumadaan sa Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development) ang mga aplikasyon para sa Hamden First-Time Homeownership Downpayment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application-based; priority-consideration documentation must accompany the application. 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.