Homeport Growing Homeownership Fund

Ang Homeport Growing Homeownership Fund ay isang loan na mapapatawad para sa mga bibili ng bahay sa Columbus, Ohio, na pinangangasiwaan ng Homeport (Columbus Housing Partnership Inc.). The Growing Homeownership Fund (GHF) is a down payment assistance program administered by Homeport for first-time homebuyers in Franklin County, Ohio. It offers up to $15,000 or 5% of the home's purchase price (whichever is less) as a 0% interest forgivable loan, provided as a 5:1 match to down payment savings documented in the borrower's personal savings. Funds may be used for down payment, closing costs, prepaid escrows, permanent rate buy-downs, up to $1,000 appraisal gap, and up to $1,000 in documented home repair costs. Up to $15,000 or 5% of purchase price. 0% interest, forgivable after a period of owner-occupancy. Stackable with OHFA, Franklin County, or lender programs. Covers down payment, closing costs, prepaid escrows, rate buy-downs, appraisal gap, and home repairs. Works with conventional, FHA, VA, and USDA first mortgages. Ang pondo ay mula sa Philanthropic/coalition-funded nonprofit down payment assistance fund (CONVERGENCE Columbus / Homeport; bank, foundation, and municipal contributions).

Nag-aalok ang Homeport Growing Homeownership Fund ng tulong na hanggang $15,000. Ambag ng bibili ng bahay: Assistance is provided as a 5:1 match to the down payment documented in the borrower's personal savings (borrower must document savings equal to at least 1/5 of the assistance). For 2-4 unit purchases, a 5% minimum borrower contribution from the borrower's own funds is required. Maaaring isama ang programa sa Ohio Housing Finance Agency (OHFA) programs, Franklin County programs, and proprietary lender programs. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Homeport (Columbus Housing Partnership Inc.) ang nagpapasya sa anumang indibidwal na award.

Ang Homeport Growing Homeownership Fund ay isang loan na mapapatawad, kaya pinapatawad ang balanse kapag natugunan ang mga kondisyon ng programa. Kailangang bayaran kapag may Due and payable upon sale or transfer of title, or if the property ceases to be the borrower's primary residence, during the forgiveness/occupancy period. Land contract agreements are not eligible. Nakatala ang tulong bilang lien sa posisyong Second (or as approved by administrator); any additional lender deferred-loan assistance must be in third position. 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 Homeport Growing Homeownership Fund sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Homeport (HUD-certified housing counseling agency); homebuyer education must be completed within the last year (8 hours from a HUD-certified agency; no Fast Track/Quick Start certificates). Requirement sa paninirahan: Applicant must be a current Franklin County resident; purchased property must be located in Franklin County. Borrower must complete Homeport-recognized homebuyer education within the last year (8 hours from a HUD-certified agency). Assistance is a 5:1 match to documented personal down payment savings. Land contracts and seller financing are not eligible. NOTE: exact forgiveness/occupancy term in years for the general GHF, minimum credit score, and max DTI are not published on the official program page; verify with Homeport. The race-restricted Maude Hill Growing Homeownership Fund (140% AMI, 3-year forgiveness SPCP) is a distinct sub-fund and is NOT this program.

Nililimitahan ng Homeport Growing Homeownership Fund ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income at or below 120% of the Area Median Income (AMI) for the Columbus MSA, as determined by HUD, adjusted for family size. 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 Homeport Growing Homeownership Fund para sa Single Family, Condo, at 2-4 Unit. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Homeport Growing Homeownership Fund ang mga bibili ng bahay sa Columbus, Ohio.

Dumadaan sa Homeport (Columbus Housing Partnership Inc.) ang mga aplikasyon para sa Homeport Growing Homeownership Fund, 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.