HouseHartford Homebuyer Assistance Program

Ang HouseHartford Homebuyer Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa 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. Ang pondo ay mula sa HOME, CDBG, Federal, at Local Government.

Nagbibigay ang HouseHartford Homebuyer Assistance Program ng tulong na katumbas ng 20% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Minimum buyer contribution from own funds: $1,000 (incomes <=50% AMI) or $2,000 (incomes 51-80% AMI). Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang HouseHartford Homebuyer Assistance Program pagkalipas ng 15 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong 2. 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 HouseHartford Homebuyer Assistance Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No published minimum FICO; underwriting follows the buyer's first-mortgage product (typically 620+). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 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. Requirement sa paninirahan: Property must be located within the City of Hartford, CT, and be the buyer's primary residence for the duration of the affordability period. Citizenship o katayuan sa imigrasyon: 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.

Nililimitahan ng HouseHartford Homebuyer 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 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). 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 HouseHartford Homebuyer Assistance Program ang presyo ng pagbili: No fixed dollar maximum; HUD HOME 95% maximum-purchase-price rule applies. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, 2-unit, 3-unit, 4-unit, at Condominium. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng HouseHartford Homebuyer Assistance Program ang mga bibili ng bahay sa Hartford, Connecticut.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa HouseHartford Homebuyer 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 submitted by participating lender on buyer's behalf to City of Hartford Division of Housing; subject to annual HUD HOME funding allocation. 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.