City of Kansas City Employee Homeownership Assistance Program (EAP)

Ang City of Kansas City Employee Homeownership Assistance Program (EAP) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Kansas City, Missouri, na pinangangasiwaan ng City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit). Established by the City of Kansas City on March 21, 2024, the Employee Homeownership Assistance Program provides down payment and closing cost assistance to first-time-homebuyer City employees purchasing a home within Kansas City, Missouri city limits, paired with required financial education and homebuyer counseling. The loan is a partial-forgiveness loan. Priority is given to employees buying in severely distressed census tracts. Up to 20% down payment assistance, not to exceed $30,000, plus up to $5,000 in closing cost assistance, as a partial-forgiveness loan. One loan per qualified household during city employment. Ang pondo ay mula sa City of Kansas City, Missouri.

Nag-aalok ang City of Kansas City Employee Homeownership Assistance Program (EAP) ng tulong na hanggang $35,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit) ang nagpapasya sa anumang indibidwal na award.

Ang City of Kansas City Employee Homeownership Assistance Program (EAP) ay isang loan na mapapatawad, kaya pinapatawad ang balanse kapag natugunan ang mga kondisyon ng programa. Kailangang bayaran kapag may Partial-forgiveness loan; unforgiven balance subject to repayment under program terms. 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 City of Kansas City Employee Homeownership Assistance Program (EAP) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Nakalista sa programa ang minimum na credit score na 680. Kailangan ang kurso sa homebuyer education. Restricted to full-time City of Kansas City, MO employees with at least 5 years of service who are first-time homebuyers in good standing with the city. Must complete financial management, homebuyer counseling and education before applying (counseling agency may charge a fee). Minimum 680 credit score (after coaching). Must provide at least 2.5% down payment. Property must be a single-family residence (condos/townhomes included) within KCMO city limits, pass a health and safety inspection, and the buyer must pre-qualify for a conforming fixed-rate mortgage. Post-purchase counseling required before loan closing.

Pinaglilingkuran ng City of Kansas City Employee Homeownership Assistance Program (EAP) ang mga bibili ng bahay sa Kansas City, Missouri. Inuuna ng programa ang mga itinalagang target na lugar, kaya mahalaga ang address pati na ang county.

Dumadaan sa City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit) ang mga aplikasyon para sa City of Kansas City Employee Homeownership Assistance Program (EAP), 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.