NJCC Statewide Down Payment Assistance Program

Ang NJCC Statewide Down Payment Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Statewide, New Jersey. The NJCC Statewide Down Payment Assistance Program is the flagship statewide DPA grant operated by NJCC's Address Yourself(TM) program. Available to income-eligible first-time buyers purchasing a 1-4 family primary residence anywhere in New Jersey, the program provides $5,000 - $30,000 in DPA depending on need. Buyers must earn less than 100% of the HUD area median income for their county and household size, and the maximum purchase price is $625,000. Funded in partnership with a variety of lenders and funders. Structured as a 5-year forgivable second mortgage at 0% interest. Provides $5,000 - $30,000 in down payment and closing cost assistance grants to income-eligible first-time buyers purchasing a primary residence anywhere in New Jersey, depending on need. Forgivable over 5 years (20% per year), 0% interest, no monthly payment. Ang pondo ay mula sa Nonprofit, CDFI, Bank, at Foundation.

Pinapatawad ang NJCC Statewide Down Payment Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, refinance (without subordination), or property no longer used as primary residence prior to 5-year forgiveness at balance forgiven 20% per year. 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 NJCC Statewide Down Payment 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 3-year first-time homebuyer rule. Tungkol sa credit, sinasabi ng programa: Per first-mortgage product overlay (typically 620+ FICO). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng NJCC- and HUD-approved housing counseling agencies; pre-purchase counseling certificate (within 1 year) required. Requirement sa paninirahan: Property must be located in New Jersey and used as the borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen, qualified non-citizen, or ITIN holder eligible. Must be a first-time homebuyer (no ownership in past 3 years) purchasing a 1-4 family primary residence anywhere in New Jersey. Must enroll in the Address Yourself homeownership program, complete HUD-approved pre-purchase counseling, and be preapproved with one of NJCC's approved lenders. ITIN holders are eligible. Must be under contract before applying. Maximum purchase price $625,000.

Nililimitahan ng NJCC Statewide Down Payment Assistance Program ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Up to 100% of HUD Area Median Income (AMI) by county and household size. Statewide range across all counties and household sizes (2025 HUD): low end ~ $59,500 (1-person, lowest county) up to ~ $188,700 (8-person, highest county). Income limits increase with household size; see the NJCC NJ 100% AMI table. 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 NJCC Statewide Down Payment Assistance Program ang presyo ng pagbili sa $625,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang 1-4 family residential property occupied as primary residence. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng NJCC Statewide Down Payment Assistance Program ang mga bibili ng bahay sa Statewide, New Jersey.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa NJCC Statewide Down Payment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved through Address Yourself online application process once borrower is enrolled, preapproved, and under contract; funds disbursed to settlement agent at closing. 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.