First Start Homebuyers' Program

Ang First Start Homebuyers' Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Wilmington, Delaware. First Start is the City of Wilmington's flagship first-time homebuyer down payment and closing-cost assistance program, administered by the Department of Real Estate & Housing. It provides a deferred 0%-interest second-mortgage of up to the lesser of $15,000 or 6% of the purchase price, structured in two income tiers (CDBG-funded up to 80% AMI; city general funds up to 100% AMI) for buyers purchasing single-family primary residences inside Wilmington city limits. Down payment and closing-cost assistance up to the lesser of $15,000 or 6% of the property purchase price for first-time homebuyers purchasing a single-family primary residence within the City of Wilmington. Funded through two tiers: (1) federal CDBG funds for households at or below 80% AMI, and (2) Wilmington general funds for households up to 100% AMI. Structured as a deferred (zero-interest) second mortgage repayable upon sale, transfer, refinance, or loss of owner-occupancy. Ang pondo ay mula sa Federal CDBG at Local Government.

Nagbibigay ang First Start Homebuyers' Program ng tulong na katumbas ng 6% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Minimum $1,000 of buyer's own funds required at closing. 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.

Ipinagpaliban ang First Start Homebuyers' Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Deferred second mortgage at principal becomes due upon sale, transfer, refinance (cash-out), or loss of owner-occupancy. No monthly payments during occupancy. 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 First Start Homebuyers' 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": Single-parent and displaced-homemaker exceptions to the 3-year first-time-homebuyer rule per HUD definitions. Tungkol sa credit, sinasabi ng programa: No published Wilmington-specific minimum; first-mortgage product credit-score minimums apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing counseling agency (e.g., Interfaith Community Housing of Delaware, NeighborGood Partners, Neighborhood House); pre-purchase homeownership counseling required. Requirement sa paninirahan: Property must be located within the corporate limits of the City of Wilmington, DE, and serve as borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen per first-mortgage product rules. Buyer must be a first-time homebuyer (no homeownership in prior 3 years), displaced homemaker, or single parent. Minimum $1,000 buyer contribution required. Property must be a single-family home (1-unit) located within the City of Wilmington and serve as buyer's primary residence. Buyer must obtain a fixed-rate first mortgage with a term of 30 years or less. Income tier determines funding pool: CDBG funds for households at or below 80% AMI; City general funds for households up to 100% AMI. Pre-purchase HUD-approved housing counseling required. Application must be submitted by participating lender or housing counselor through the Neighborly online portal.

Nililimitahan ng First Start Homebuyers' Program ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Two-tier qualifying income: Tier 1 (CDBG-funded) at or below 80% HUD AMI for the Wilmington/New Castle County HUD income area; Tier 2 (City general funds) up to 100% HUD AMI. Income range across household sizes spans approximately $64,250 (1-person, 80% AMI) to $151,500 (8-person, 100% AMI) under current HUD limits. 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 First Start Homebuyers' Program ang presyo ng pagbili: No published Wilmington-specific maximum; property must be located within the City of Wilmington and within FHA/Conventional first-mortgage limits. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng First Start Homebuyers' Program ang mga bibili ng bahay sa Wilmington, Delaware.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa First Start Homebuyers' Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender or housing counselor submits application through the Neighborly online portal; funds awarded on a first-come, first-served basis subject to availability. 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.