Homebuyer Assistance Program

Ang Homebuyer Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa St. Clair County, Illinois. The St. Clair County Homebuyer Assistance Program, administered by the St. Clair County Intergovernmental Grants Department (Community Development Group), provides down payment and closing-cost assistance to income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis. Funded through CDBG and HUD HOME, the assistance is structured as a forgivable second-mortgage loan with a HUD HOME affordability period. Detailed program PDF / guidelines are not published online; applicants should contact the county directly for current 2026 specifications. Down payment and closing-cost assistance (approximately $4,000 per published third-party listings) for income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis (which has its own program). Funded through CDBG/HOME and structured as a forgivable second-mortgage loan with a multi-year affordability period. Ang pondo ay mula sa Federal HOME, Federal CDBG, at Local Government.

Pinapatawad ang Homebuyer Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Forgivable second-mortgage with HUD HOME affordability period (typically 5 years for assistance under $15,000) at pro-rata recapture of unforgiven balance on sale, transfer, cash-out refinance, or loss of owner-occupancy during 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 Homebuyer 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": First-time homebuyer = no homeownership in prior 3 years; standard HUD displaced-homemaker / single-parent exceptions apply. Tungkol sa credit, sinasabi ng programa: No published St. Clair County-specific minimum; first-mortgage product credit-score minimums apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing counseling agency; pre-purchase homebuyer education recommended. Requirement sa paninirahan: Property must be located within St. Clair County, IL outside the City of East St. Louis, and serve as borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen per first-mortgage product rules. St. Clair County does not currently publish a comprehensive program PDF / guidelines on its website (PDF fields blank as of April 2026). Verified active as a recurring CDBG/HOME-funded line item in the Intergovernmental Grants Department's Community Development Group portfolio per the county's Community Development page and third-party DPA aggregator listings (~$4,000 assistance amount). Applicants should contact the county directly at 618-825-3218 (Christina Anderson) or 618-825-3226 to obtain current 2026 guidelines, income limits, purchase price limits, and application package. Property must be located within St. Clair County, IL (outside the City of East St. Louis, which administers its own program) and be the buyer's primary residence. HOME affordability period (typically 5 years for assistance under $15,000) and HUD HOME recapture rules apply. Income-qualified at or below 80% HUD AMI for the St. Louis HMFA (St. Clair County portion).

Nililimitahan ng 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 expected at or below 80% HUD AMI for the St. Louis, MO-IL HMFA (St. Clair County portion); contact county directly for current 2026 income table. 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 Homebuyer Assistance Program ang presyo ng pagbili: No published St. Clair County-specific maximum purchase price; contact county for current guidelines. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, at Condominium. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Homebuyer Assistance Program ang mga bibili ng bahay sa St. Clair County, Illinois.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa 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 Buyer/lender contacts St. Clair County Intergovernmental Grants Department (Community Development Group) for application package; awarded first-come, first-served 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.