NeighborWorks Pocatello Down Payment Assistance

Ang NeighborWorks Pocatello Down Payment Assistance ay isang grant para sa mga bibili ng bahay sa Pocatello, Idaho. NeighborWorks Pocatello (NWP) - a NeighborWorks America-chartered CDFI Community Development Corporation - provides repayable secondary down payment and closing-cost assistance loans to homebuyers purchasing 1-4 unit owner-occupied properties in 11 Eastern/Southeastern Idaho counties (Bannock, Bear Lake, Bingham, Bonneville, Caribou, Franklin, Jefferson, Oneida, Fremont, Madison, Power). Open to non-first-time homebuyers. Income limit $170,000; liquid assets under $25,000; minimum $500 borrower contribution; maximum 50% DTI; no late payments in last 12 months. Mandatory NWP HomeBuyer Education class. NeighborWorks Pocatello (a CDFI / NeighborWorks America chartered Community Development Corporation) offers a repayable secondary down payment and closing-cost assistance loan to homebuyers in 11 Eastern/Southeastern Idaho counties. Borrower contributes only $500 of their own funds (earnest money satisfies). NOT a first-time-homebuyer-only program. Loan can cover closing costs but cannot satisfy the FHA 3.5% minimum borrower investment. Mandatory NWP HomeBuyer Education class. Maximum DTI 50%. No late payments in last 12 months. Liquid assets must be under $25,000 at closing. Ang pondo ay mula sa Nonprofit, CDFI, NeighborWorks, at Local.

Ang NeighborWorks Pocatello Down Payment Assistance ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Monthly amortizing payments at balance due at sale, refinance, or non-occupancy. Nakatala ang tulong bilang lien sa posisyong 2nd 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 NeighborWorks Pocatello Down Payment Assistance sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Per NWP and primary lender underwriting; no late payments in last 12 months. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng NeighborWorks Pocatello HomeBuyer Education class (in-person or via eHomeAmerica online: ehomeamerica.org/nwpocatello). Requirement sa paninirahan: Property must be in one of 11 NWP-eligible counties (Bannock, Bear Lake, Bingham, Bonneville, Caribou, Franklin, Jefferson, Oneida, Fremont, Madison, or Power) and used as borrower's primary residence (1-4 unit owner-occupied). Citizenship o katayuan sa imigrasyon: U.S. citizen or qualifying non-citizen with eligible immigration status. Property must be located in one of 11 Eastern/Southeastern Idaho counties: Bannock, Bear Lake, Bingham, Bonneville, Caribou, Franklin, Jefferson, Oneida, Fremont, Madison, or Power. Household income limited to $170,000. Liquid assets must be less than $25,000 at the time of closing. Borrower does NOT have to be first-time homebuyer. Must complete NeighborWorks Pocatello HomeBuyer Education class. Borrower must contribute $500 of their own money (earnest money can satisfy this). DTI maximum 50%. No late payments in last 12 months. Property must be 1-4 unit owner-occupied. NOTE: Loan will not satisfy FHA's 3.5% minimum borrower down payment requirement, but may be applied to closing costs on FHA loans.

Nililimitahan ng NeighborWorks Pocatello Down Payment Assistance ang kita ng sambahayan sa $170,000. 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 NeighborWorks Pocatello Down Payment Assistance ang presyo ng pagbili: Per first-mortgage product overlays; no published NWP cap. Kabilang sa mga kwalipikadong uri ng ari-arian ang 1-4 unit owner-occupied residential property (single-family, duplex, triplex, fourplex). Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng NeighborWorks Pocatello Down Payment Assistance ang mga bibili ng bahay sa Pocatello, Idaho.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa NeighborWorks Pocatello Down Payment Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Direct application to NeighborWorks Pocatello at 208-232-9468; restrictions apply per office consultation. 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.