Wood County CHIP Homebuyer Assistance

Ang Wood County CHIP Homebuyer Assistance ay isang loan na mapapatawad para sa mga bibili ng bahay sa Wood County, Ohio, na pinangangasiwaan ng Wood County Planning Commission (with Poggemeyer Design Group); Ohio Department of Development CHIP. Wood County's Community Housing Improvement Program (CHIP), funded by HUD through the Ohio Department of Development, includes a Homebuyer Assistance activity that provides down payment and closing-cost assistance to low- and moderate-income households purchasing a modest, affordable single-family home as their primary residence. Grants range from $1,000 to $5,000 and may cover down payment, appraisal, closing costs, and other purchase-related fees. Applicants must live within a Wood County township, village, or the City of Rossford and qualify as low- to moderate-income. Down payment / closing cost grant of $1,000-$5,000. Can be combined with FHA, VA, USDA/FMHA or other financing. May pair with owner-rehabilitation funds for repairs. Ang pondo ay mula sa HUD CHIP (Community Housing Improvement Program) via Ohio Department of Development.

Nag-aalok ang Wood County CHIP Homebuyer Assistance ng tulong mula $1,000 hanggang $5,000. Ambag ng bibili ng bahay: Grantee must contribute a minimum of $500 of their own funds toward the purchase. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Wood County Planning Commission (with Poggemeyer Design Group); Ohio Department of Development CHIP ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Wood County CHIP Homebuyer Assistance pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Secured by a 10-year promissory note/mortgage; repay a percentage of the grant if home is sold/vacated before the note expires; pay back 15% of grant if vacated/transferred after the 10-year note expires; plus mortgage recording and release fees. Nakatala ang tulong bilang lien sa posisyong Subordinate (secured by recorded mortgage / 10-year promissory note). 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 Wood County CHIP Homebuyer 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 housing counseling (budgeting, home maintenance, lending, fair housing). Requirement sa paninirahan: Property within Wood County townships, villages, or City of Rossford (excludes City of Bowling Green). Field notes — Ratio/DTI note: PITI cannot exceed 30% of gross monthly income. Applicants must reside within a Wood County township, village, or the City of Rossford (excludes City of Bowling Green). Funds are limited and competitive at the local level; applications considered first-come, first-served when open. Administered with Poggemeyer Design Group.

Nililimitahan ng Wood County CHIP Homebuyer Assistance ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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 Wood County CHIP Homebuyer Assistance para sa Single Family, Condo, 2-4 Unit, at Manufactured. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Wood County CHIP Homebuyer Assistance ang mga bibili ng bahay sa Wood County, Ohio.

Dumadaan sa Wood County Planning Commission (with Poggemeyer Design Group); Ohio Department of Development CHIP ang mga aplikasyon para sa Wood County CHIP Homebuyer 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 when program funds are available. 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.