City of Las Vegas HOME Homebuyer Assistance

Ang City of Las Vegas HOME Homebuyer Assistance ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Las Vegas, Nevada, na pinangangasiwaan ng City of Las Vegas (Community Services Department). The City of Las Vegas uses federal HOME Investment Partnerships funds to provide down payment and closing cost assistance to low-income, first-time homebuyers, delivered through program sub-recipients. Assistance is structured as a deferred loan subject to HUD recapture provisions, with a HUD affordability/forgiveness period scaled to the amount of HOME funds provided (5, 10, or 15 years). Households must be at or below 80% of Area Median Income and the home must be the buyer's principal residence. Down payment and closing cost assistance from federal HOME funds. Deferred loan with no monthly payments. Forgiveness tied to occupancy over a 5-, 10-, or 15-year affordability period. Targets low-income first-time buyers in the City of Las Vegas. Ang pondo ay mula sa Federal HOME Investment Partnerships Program (HUD) funds allocated to the City of Las Vegas; administered through sub-recipients.

Pinapatawad ang City of Las Vegas HOME Homebuyer Assistance pagkalipas ng 15 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Deferred loan subject to recapture provisions under 24 CFR 92.254. Forgiveness is tied to the length of time the homebuyer occupies the home during the affordability period; the affordability period is based on the amount of HOME funds provided: under $15,000 = 5 years; $15,000-$40,000 = 10 years; over $40,000 = 15 years. If the home is sold during the affordability period, recaptured HOME funds are due (limited to net proceeds). Nakatala ang tulong bilang lien sa posisyong Second. 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 Las Vegas HOME Homebuyer Assistance 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 = an individual (and spouse) who have not owned a home during the prior three-year period (standard HUD HOME definition). Tungkol sa credit, sinasabi ng programa: Could not confirm a minimum credit score; set by individual sub-recipient program. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Homebuyer counseling required (sub-recipients must provide tenant/homebuyer counseling); specific providers set by program. Program is administered through HUD HOME sub-recipients rather than a single consumer-facing product, so the exact per-buyer assistance amount, income-limit dollar figures, maximum purchase price, and credit-score requirements are set per sub-recipient/Consolidated Plan and were NOT published in the HOME Policy & Procedures manual.

Nililimitahan ng City of Las Vegas HOME Homebuyer Assistance ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Beneficiaries must be low-income households (at or below 80% Area Median Income per HUD HOME program rules). Specific dollar limits by household size follow current HUD income limits for the Las Vegas area and were not published in the manual. 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.

Ganito nililimitahan ng City of Las Vegas HOME Homebuyer Assistance ang presyo ng pagbili: Purchase price/value must not exceed the HUD HOME maximum (95% of area median purchase price); specific dollar amount not stated in the manual. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, Townhouse, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng City of Las Vegas HOME Homebuyer Assistance ang mga bibili ng bahay sa Las Vegas, Nevada.

Dumadaan sa City of Las Vegas (Community Services Department) ang mga aplikasyon para sa City of Las Vegas HOME Homebuyer Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Administered through City of Las Vegas HOME sub-recipients/program partners; no central public reservation portal published. 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.