Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program

Ang Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program ay isang pangalawang loan na babayaran para sa mga bibili ng bahay sa Lafayette, Louisiana, na pinangangasiwaan ng Lafayette Consolidated Government, Community Development Department, Housing Loans Section. Lafayette Consolidated Government offers a First Time Home Buyer Down Payment and Closing Costs Assistance Program providing a 2% interest loan of up to $11,000 toward down payment and/or closing costs for qualified, income-eligible first-time buyers using an affordable first mortgage from a private lender. The loan is secured by a second mortgage with a 15-year (180-month) term ($70.79/month if the full amount is taken) and the balance is due in full if owner-occupancy ceases before the term ends. No prepayment penalty. Up to $11,000 toward down payment and/or closing costs. Low 2% interest rate. 15-year (180-month) term. No prepayment penalty. Pairs with an affordable first mortgage. Ang pondo ay mula sa HUD HOME Investment Partnerships Program (HOME), administered by LCG Community Development Department.

Nag-aalok ang Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program ng tulong na hanggang $11,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Lafayette Consolidated Government, Community Development Department, Housing Loans Section ang nagpapasya sa anumang indibidwal na award.

Ang Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program ay isang pangalawang loan na babayaran at binabayaran ayon sa mga tuntuning itinakda ng Lafayette Consolidated Government, Community Development Department, Housing Loans Section. Kailangang bayaran kapag may Repaid in monthly installments over a 15-year (180-month) term; full $11,000 = $70.79/month. Outstanding balance due in full if the borrower ceases to occupy the home as principal residence before the term ends. Nakatala ang tulong bilang lien sa posisyong Second. 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 Lafayette First Time Home Buyer Down Payment and Closing Costs 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": Not owned a home as a primary residence in the past 3 years; displaced homemakers may also qualify. Tungkol sa credit, sinasabi ng programa: No specific minimum published; must meet the participating lender's and insurer's requirements for the primary mortgage. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng LCG Home Ownership Training (HOT) Course via the Community Development Department Human Services Division, Jessie Livingston Taylor Center, 111 Shirley Picard Dr., Lafayette LA 70501; (337) 291-5450. First-time buyer (no ownership in last 3 years) or displaced homemaker; current signed purchase agreement; complete LCG HOT homebuyer training before closing. Income limits: April 2021 brochure shows older figures; current FY2025 page (4-person $67,750) used here.

Nililimitahan ng Lafayette First Time Home Buyer Down Payment and Closing Costs 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 HUD Low-Income (80% AMI) for Lafayette. FY2025: 1 $47,450; 2 $54,200; 3 $61,000; 4 $67,750; 5 $73,200; 6 $78,600; 7 $84,050; 8 $89,450. 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.

Magagamit ang Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program para sa Single Family, Townhouse, at Condo. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program ang mga bibili ng bahay sa Lafayette, Louisiana.

Dumadaan sa Lafayette Consolidated Government, Community Development Department, Housing Loans Section ang mga aplikasyon para sa Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.