Columbiana County CHIP Homeownership / Down Payment Assistance

Ang Columbiana County CHIP Homeownership / Down Payment Assistance ay isang loan na mapapatawad para sa mga bibili ng bahay sa Columbiana County, Ohio, na pinangangasiwaan ng Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC. Columbiana County's CHIP program, a partnership of the County Commissioners and the cities of Columbiana, East Liverpool, and Salem, provides homeownership assistance including down payment/closing-cost assistance (in addition to home repair and rehabilitation). Down payment grants range from $1,000 to $5,000 as a 0% forgivable loan secured by a 10-year promissory note, for households at or below 80% AMI. Buyers contribute at least $500 of their own funds and complete homebuyer counseling. $1,000-$5,000 down payment/closing-cost assistance. 0% interest, forgivable over a 10-year note. Can be combined with FHA/VA/USDA/conventional financing. Homebuyer counseling provided. Ang pondo ay mula sa Ohio Department of Development CHIP program.

Nag-aalok ang Columbiana County CHIP Homeownership / Down Payment Assistance ng tulong mula $1,000 hanggang $5,000. Ambag ng bibili ng bahay: Minimum $500 of the buyer's own funds toward the purchase. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Columbiana County CHIP Homeownership / Down Payment Assistance pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale/transfer/vacancy before the 10-year promissory note expires triggers repayment of a percentage; after 10 years, repay 15% of the grant upon vacancy/transfer (payback amount varies by community). Nakatala ang tulong bilang lien sa posisyong Subordinate (mortgage/promissory note recorded; ~$36-$44 recording fee plus release fee). 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 Columbiana County CHIP Homeownership / Down Payment Assistance sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Approximately 7 hours of counseling in budgeting, home maintenance, lending, and fair housing. LOAN TERM: 0% forgivable loan over a 10-year promissory note. CHIP is a competitive two-year grant; the official county page lists down payment/closing-cost assistance, but Columbiana County's PY2025 CHIP award (Ohio Dept. of Development, Jan 2025) may be budgeted only for owner rehabilitation — DPA availability in the current cycle MUST be confirmed with the administering agencies before relying on it. Standard CHIP DPA terms cited from the Ohio Regional Development Corp. guidelines.

Nililimitahan ng Columbiana County CHIP Homeownership / Down Payment Assistance ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. At or below 80% AMI (example cited: family of three at or below $39,900). Net assets over $100,000 disqualify. 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.

Magagamit ang Columbiana County CHIP Homeownership / Down Payment Assistance para sa Single Family, 2-4 Unit, Condo, at Manufactured. Hindi kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Columbiana County CHIP Homeownership / Down Payment Assistance ang mga bibili ng bahay sa Columbiana County, Ohio.

Dumadaan sa Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC ang mga aplikasyon para sa Columbiana County CHIP Homeownership / Down Payment Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served. 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.