Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)

Ang Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Hamilton, Ohio, na pinangangasiwaan ng Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown. Neighborhood Housing Services of Hamilton, Inc. administers a Down Payment and Closing Cost Assistance (DPA) Program for Butler County, the City of Hamilton, and the City of Middletown. The assistance helps eligible homebuyers purchasing a home in those jurisdictions and is provided as a 5-year non-amortized forgivable loan toward down payment and eligible closing costs. Forgivable loan of $1,000 minimum up to $7,500 maximum. City of Hamilton: up to $7,500, up to 50% of lender-required down payment, can cover 100% of reasonable closing costs and provide principal write-downs. Butler County: $7,500 not to exceed 6% of purchase price. City of Middletown: 6% of purchase price not to exceed $7,500. Ang pondo ay mula sa HUD HOME Investment Partnerships Program funds via Butler County, City of Hamilton, and City of Middletown.

Nag-aalok ang Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ng tulong mula $1,000 hanggang $7,500. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Failure to occupy as principal residence or sale/transfer before the end of the 5-year forgivable term; remaining pro-rated balance collected at closing from sale 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 Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education. 5-year non-amortized forgivable loan; 20% forgiven each year. Pro-rated balance repaid if borrower fails to occupy as principal residence or sells before the 5-year term ends; secured by a subordinate mortgage held by the municipality where the property is located. Borrower must contribute at least $500 of own (non-gifted) funds. 8 hours of pre- and post-purchase counseling required (Hamilton). Homebuyer Education Certificate from a HUD-approved agency required (valid 1 year). All bankruptcies must be at least 2 years from discharge. Property must pass a Housing Quality Standards (HQS) inspection and be free of lead-based paint hazards. First mortgage must be a fixed-rate, fully amortizing loan with escrows. City of Hamilton applicants must authorize verification of immigration status. No cash back at closing; DPA cannot pay off personal debt. Condominiums eligible only in Butler County and City of Middletown. NOTE: borrower must purchase within the specific qualifying jurisdiction; verify current city/county allocation and funding availability (first-come, first-served).

Nililimitahan ng Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income at or below 80% of area median income (AMI) per HUD; income from all household members 18+ counted (excluding full-time students). FY2025 HUD HOME income limits for Butler County effective June 1, 2025 (e.g., 1-person $62,650; 4-person $89,450). Total DTI not to exceed 43% (Butler County and Hamilton); City of Middletown housing ratio not to exceed 30% (with documented exceptions up to 43%). 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 Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ang presyo ng pagbili sa $277,000.

Pinaglilingkuran ng Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton) ang mga bibili ng bahay sa Hamilton, Ohio. Inuuna ng programa ang mga itinalagang target na lugar, kaya mahalaga ang address pati na ang county.

Dumadaan sa Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown ang mga aplikasyon para sa Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton), 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.