Enhanced Homebuyer Assistance Program

Ang Enhanced Homebuyer Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Raleigh, North Carolina. City of Raleigh ENHANCED HBAP: up to $80,000 deferred 0% second-mortgage affordability-gap assistance for FTHBs purchasing in designated neighborhood-revitalization areas. Sales price $450,000. 80%-120% AMI. 30-year affordability period; shared-appreciation recapture. Higher-amount, stricter-targeting variant of the standard Raleigh HBAP. City of Raleigh ENHANCED Homebuyer Assistance Program: up to $80,000 in down payment / closing-cost / affordability gap assistance (significantly higher than the standard program) for income-qualified buyers purchasing in DESIGNATED RALEIGH NEIGHBORHOOD REVITALIZATION AREAS (East Raleigh, Southeast Raleigh, and other identified equity-priority neighborhoods). Sales price up to $450,000 (higher cap than standard program to support higher-cost designated areas). Income $68,500-$129,100 (80%-120% AMI Raleigh-Cary HMFA). 0% deferred second mortgage with 30-year affordability period. due on sale/transfer/refinance with shared-appreciation recapture. Pairs with NCHFA, FHA, VA, USDA, Conventional. Ang pondo ay mula sa Federal HOME, Federal CDBG, Local Government, at Local Bond.

Pinapatawad ang Enhanced Homebuyer Assistance Program pagkalipas ng 30 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Deferred 0% at due on sale/transfer/refinance/non-owner-occupancy with shared-appreciation recapture (proportional to subsidy share). Some tiers forgiven over 30 years. 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 Enhanced 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": Standard FTHB requirement; displaced homemaker / single-parent exceptions per HUD. Tungkol sa credit, sinasabi ng programa: Generally 640 minimum (per first-mortgage product). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing counseling agencies including Telamon CDC, Reinvestment Partners, and CASA (Community Alternatives for Supportive Abodes). 8-hour pre-purchase education plus 1-on-1 counseling required. Requirement sa paninirahan: Property must be within designated Raleigh neighborhood-revitalization area and serve as borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen. PROPERTY MUST BE LOCATED IN A DESIGNATED RALEIGH NEIGHBORHOOD REVITALIZATION / EQUITY-PRIORITY AREA per the City's targeted-area map (East Raleigh, Southeast Raleigh, and other identified census tracts). First-time homebuyer (no primary-residence ownership past 3 years). Owner-occupied primary residence. Household income $68,500-$129,100 (80%-120% AMI Raleigh-Cary HMFA). Sales price at or below $450,000. 8-hour HUD-approved homebuyer education plus 1-on-1 counseling. Minimum $1,000 buyer contribution. Property must pass HQS inspection. Pre-1978 properties require lead-based-paint risk assessment. CDBG/HOME environmental review.

Nililimitahan ng Enhanced 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 80%-120% AMI Raleigh-Cary HMFA. FY2025: 4p $68,500 (80%) to 8p $129,100 (120%). 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.

Nililimitahan ng Enhanced Homebuyer Assistance Program ang presyo ng pagbili sa $450,000. 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 Enhanced Homebuyer Assistance Program ang mga bibili ng bahay sa Raleigh, North Carolina. Tinutukoy ng programa ang mga partikular na lugar: Designated RALEIGH NEIGHBORHOOD REVITALIZATION / EQUITY-PRIORITY AREAS - includes East Raleigh, Southeast Raleigh, and other census tracts identified on the City's published targeted-area map. Enhanced program represents the higher-amount, stricter-geographic-targeting variant of Raleigh HBAP.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Enhanced 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 Apply directly to City of Raleigh Housing & Neighborhoods Department. Property eligibility confirmed against the targeted-area map. Income certification, credit review, and property HQS inspection performed by City staff. 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.