The Neighbor Project Closing the Gap Homeownership Grant

Ang The Neighbor Project Closing the Gap Homeownership Grant ay isang grant para sa mga bibili ng bahay sa Aurora, Illinois, na pinangangasiwaan ng The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator). The Neighbor Project's Closing the Gap grant provides $3,000-$7,000 in down payment assistance for Black/African American and minority homebuyers in the Aurora, Illinois area, administered through the Community Foundation of the Fox River Valley. Grant amount scales with duration of one-on-one HUD-certified counseling. Designed to be bundled with FHLBank DPP and bank partner DPA for total ~$18,000-$24,000. TNP is a NeighborWorks chartered member and 2024 MacKenzie Scott awardee. Prerequisite: complete Homebuyer Education certificate through TNP's HUD-approved program. Grant — no repayment required. $3,000-$7,000 directly from TNP. Bundled DPA package up to $24,000 total. HUD-certified counseling included. NeighborWorks chartered member. Bilingual services available. Ang pondo ay mula sa Community Foundation of the Fox River Valley — The Neighbor Project Closing the Gap Fund; private donations; Neighbor Project matching funds; MacKenzie Scott 2024 grant.

Nag-aalok ang The Neighbor Project Closing the Gap Homeownership Grant ng tulong mula $3,000 hanggang $7,000, depende sa award tier na kinabibilangan ng bibili ng bahay. Mga award tier: $3,000 for 3-9 months counseling; $5,000 for 9-18 months counseling; $7,000 for 18-36 months counseling with TNP counselor. Ambag ng bibili ng bahay: Breakthrough Rental program provides 12 months of affordable rent savings returned as down payment savings; counseling participation is key requirement. Maaaring isama ang programa sa FHLBank Chicago DPP (up to $10,000); bank partner DPA/closing cost grants ($5,000-$7,000); Choose Aurora city DPA; IHDA programs. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator) ang nagpapasya sa anumang indibidwal na award.

Ang The Neighbor Project Closing the Gap Homeownership Grant ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Grant — no repayment required. Nakatala ang tulong bilang lien sa posisyong None (grant, no 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 The Neighbor Project Closing the Gap Homeownership Grant 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": Program targets renters working toward first homeownership. Tungkol sa credit, sinasabi ng programa: Credit improvement is part of TNP counseling process; no stated minimum to begin counseling. Lender requirements apply for first mortgage. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng The Neighbor Project HUD-approved Housing Counseling and Education program (one-on-one with HUD-certified counselor); Homebuyer Education certificate required to access grant. Requirement sa paninirahan: Aurora, Illinois area (Kane County); program addresses Aurora community racial homeownership gap. Must self-identify as Black/African American or minority homebuyer. Must complete Homebuyer Education certificate through The Neighbor Project HUD-approved program. Grant amount determined by length of counseling relationship. Successor org formed by merger of Joseph Corporation and Emmanuel House. Separate from Choose Aurora city DPA program.

Nililimitahan ng The Neighbor Project Closing the Gap Homeownership Grant ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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 The Neighbor Project Closing the Gap Homeownership Grant ang presyo ng pagbili: Not stated; Aurora area market. Kabilang sa mga kwalipikadong uri ng ari-arian ang single-family, condominium, at townhome. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng The Neighbor Project Closing the Gap Homeownership Grant ang mga bibili ng bahay sa Aurora, Illinois. Tinutukoy ng programa ang mga partikular na lugar: Aurora, Illinois (Kane County). Program specifically addresses the Black/White homeownership gap in Aurora.

Dumadaan sa The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator) ang mga aplikasyon para sa The Neighbor Project Closing the Gap Homeownership Grant, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng One-on-one counseling through The Neighbor Project HUD-approved Homebuyer Education program; grant identified and bundled during counseling process. 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.