NC 1st Home Advantage Down Payment

Ang NC 1st Home Advantage Down Payment ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, North Carolina. NC 1st Home Advantage Down Payment is NCHFA's enhanced DPA option for first-time homebuyers (and military veterans), providing a flat $15,000 in down payment and closing-cost assistance. It is structured as a 0%-interest deferred second mortgage that is forgiven 20% per year in years 11-15, so borrowers who stay in the home for 15 years owe nothing. The program is funded with tax-exempt mortgage revenue bonds and must be paired with the NC Home Advantage Mortgage (NCHFA's bond-funded first mortgage). NC 1st Home Advantage Down Payment provides $15,000 in down payment assistance exclusively for first-time homebuyers (and military veterans, regardless of prior homeownership) using the NC Home Advantage Mortgage. The DPA is structured as a 0% interest, deferred second mortgage with no monthly payments. The lien is forgiven 20% per year starting in year 11, so a borrower who remains in the home through year 15 owes nothing. The full balance becomes due only if the borrower sells, refinances (without subordination), transfers title, or stops occupying the home as a principal residence during the first 15 years. Ang pondo ay mula sa Tax-exempt Mortgage Revenue Bonds issued by NCHFA.

Nag-aalok ang NC 1st Home Advantage Down Payment ng tulong na hanggang $15,000. Ambag ng bibili ng bahay: No NCHFA-imposed minimum borrower contribution; loan-product overlays (FHA/VA/USDA/Fannie HFA Preferred) apply. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang NC 1st Home Advantage Down Payment pagkalipas ng 15 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Full balance due if the home is sold, refinanced (without subordination), title transferred, or no longer occupied as principal residence within first 10 years at lien forgiven 20% per year in years 11-15 and fully forgiven at end of year 15. Nakatala ang tulong bilang lien sa posisyong 2nd 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 NC 1st Home Advantage Down Payment 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": First-time-homebuyer (3-year non-ownership) requirement is waived for qualifying military veterans and for buyers purchasing in federally designated targeted census tracts. Tungkol sa credit, sinasabi ng programa: 640 minimum FICO for government loans (FHA/VA/USDA); 660 minimum FICO for conventional loans. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved homebuyer education or counseling required (online or in person); list of approved providers available through NCHFA and participating lenders. Requirement sa paninirahan: Property must be in North Carolina and occupied as principal residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified non-citizen per agency loan-product guidelines. Must be a first-time homebuyer (no ownership interest in a principal residence in the last 3 years) OR a qualifying military veteran (FTHB requirement waived) OR purchasing in a federally designated targeted census tract. Must be paired with an NC Home Advantage Mortgage (NCHFA's first-mortgage product). Maximum sales price $495,000 (statewide cap). Maximum qualifying income $152,000 (household income, all borrowers and non-borrower spouses on title). Property must be primary residence. Funded with tax-exempt mortgage revenue bonds, so federal recapture tax may apply if home is sold within 9 years and income/gain thresholds are exceeded.

Nililimitahan ng NC 1st Home Advantage Down Payment ang kita ng sambahayan sa $152,000. 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.

Nililimitahan ng NC 1st Home Advantage Down Payment ang presyo ng pagbili sa $495,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied at new and existing homes. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng NC 1st Home Advantage Down Payment ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, mga naiwang asawa, mga American Indian at Alaska Native na bibili ng bahay, mga edukador, mga alagad ng batas, mga bumbero, mga manggagawa sa kalusugan, at mga bibili ng bahay na may kapansanan sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng NC 1st Home Advantage Down Payment ang mga bibili ng bahay sa Statewide, North Carolina. Tinutukoy ng programa ang mga partikular na lugar: IRS-designated qualified census tracts (targeted areas) in North Carolina. In targeted areas, the first-time-homebuyer requirement is waived. Use NCHFA's targeted areas lookup to verify a property's status.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa NC 1st Home Advantage Down Payment, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender reserves rate, first-mortgage funds, and DPA via NCHFA's online lender portal on a first-come, first-served basis. 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.