Frederick County Homebuyer Assistance Program (HAP)

Ang Frederick County Homebuyer Assistance Program (HAP) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Frederick County, Maryland, na pinangangasiwaan ng Frederick County Division of Housing (Department of Housing and Community Development). The Frederick County Homebuyer Assistance Program (HAP) helps local low- and moderate-income families buy their first home by providing up to $12,000 in down payment and closing cost assistance. Assistance is a 0% interest deferred loan secured by a lien, repayable on sale, refinance, transfer, or when the home is no longer the borrower's primary residence. It must be paired with a state or federal first mortgage (FHA, VA, USDA, or CDA/MMP) and may be combined with other assistance programs. Up to $12,000 in down payment/closing cost assistance. 0% interest. Deferred - no monthly payments. Can be layered with other programs. Ang pondo ay mula sa Frederick County.

Nag-aalok ang Frederick County Homebuyer Assistance Program (HAP) ng tulong mula $10,000 hanggang $12,000. Mga award tier: Households at or below 50% AMI may be eligible for a $12,000 loan; households up to the uncapped 80% AMI may be eligible for a $10,000 loan. Ambag ng bibili ng bahay: Minimum $500 of the buyer's own funds toward the purchase. Maaaring isama ang programa sa Other homebuyer assistance programs including House Keys 4 Employees and Maryland Mortgage Program products. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Frederick County Division of Housing (Department of Housing and Community Development) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Frederick County Homebuyer Assistance Program (HAP), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Due upon sale, refinance, transfer of title, or when the home is no longer the borrower's primary residence. Nakatala ang tulong bilang lien sa posisyong Subordinate (lien recorded in Frederick County land records). 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 Frederick County Homebuyer Assistance Program (HAP) 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": Must be a first-time homebuyer or not have owned residential property in the last three years. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved Housing Counseling Agency; locally Frederick Community Action Agency / City of Frederick. Requirement sa paninirahan: Applicants must currently live or work in Frederick County. Minimum $500 buyer contribution; one-year home warranty and licensed home inspection required before closing; lead paint risk assessment for pre-1978 homes; Frederick County title company for settlement; no co-signors.

Nililimitahan ng Frederick County Homebuyer Assistance Program (HAP) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Based on HUD Washington MSA AMI by household size (May 2025). $12,000 loan (50% AMI): 1=$57,400; 2=$65,600; 3=$73,800; 4=$81,950; 5=$88,550; 6=$95,100. $10,000 loan (uncapped 80% AMI): 1=$91,800; 2=$104,900; 3=$118,000; 4=$131,100; 5=$141,600; 6=$152,100. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 Frederick County Homebuyer Assistance Program (HAP) para sa Single Family, Townhouse, Condo, Modular, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Frederick County Homebuyer Assistance Program (HAP) ang mga bibili ng bahay sa Frederick County, Maryland.

Dumadaan sa Frederick County Division of Housing (Department of Housing and Community Development) ang mga aplikasyon para sa Frederick County Homebuyer Assistance Program (HAP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served; underwritten by DHCD staff after a ratified sales contract; application submitted by the first lender. 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.