Adams County Homebuyer Assistance Program (Downpayment Assistance)

Ang Adams County Homebuyer Assistance Program (Downpayment Assistance) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Adams County, Pennsylvania, na pinangangasiwaan ng Adams Economic Alliance / Adams County Economic Development Corporation (ACEDC). The Adams County Homebuyer Assistance Program, administered by the Adams Economic Alliance (ACEDC), offers a $10,000 down payment/closing cost loan at 0% interest with no monthly payments to buyers who work full-time for an Adams County employer and purchase a home in Adams County. The loan is secured by a second mortgage and is repaid upon sale, transfer, refinance/equity borrowing, or loss of owner-occupancy. Priority is given to first-time homebuyers, and a $500 administrative fee applies at closing. $10,000 toward down payment or closing costs. 0% interest, no monthly payments. Repaid only on sale/transfer/refinance. Manufactured homes eligible. Open to repeat buyers (priority to first-timers). Ang pondo ay mula sa Adams County Board of Commissioners and Adams Economic Alliance (with Home in Adams County / SCCAP and the Adams County Community Foundation).

Nag-aalok ang Adams County Homebuyer Assistance Program (Downpayment Assistance) ng tulong na hanggang $10,000. Ambag ng bibili ng bahay: Minimum borrower contribution: 1% of purchase price or $1,000, whichever is greater. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Adams Economic Alliance / Adams County Economic Development Corporation (ACEDC) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Adams County Homebuyer Assistance Program (Downpayment Assistance), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repayable upon sale or transfer of the property, when equity is borrowed against, or if the borrower ceases to occupy the home as their primary residence. Nakatala ang tulong bilang lien sa posisyong Second mortgage lien (ACEDC listed as additional mortgagee on homeowner's insurance). 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 Adams County Homebuyer Assistance Program (Downpayment Assistance) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident alien, or non-permanent resident alien with a valid SSN and eligible to work in the U.S. EMPLOYER RESTRICTION: at least one borrower must work full-time for an Adams County business. LOAN TERM: deferred (silent) second due on sale/transfer/equity borrowing (no forgiveness). $500 nonrefundable fee at closing. Operated with Home in Adams County (SCCAP) and Adams County Community Foundation; RAYAC publishes the guidelines.

Nililimitahan ng Adams County Homebuyer Assistance Program (Downpayment Assistance) ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Median income limits by household size: 1 $72,492; 2 $83,232; 3 $93,672; 4 $104,040; 5 $112,320. Income counted for all adult household members (excluding dependents over 18 enrolled in further education). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 5. 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 Adams County Homebuyer Assistance Program (Downpayment Assistance) ang presyo ng pagbili sa $323,150. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, 2-4 Unit, at Manufactured. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Adams County Homebuyer Assistance Program (Downpayment Assistance) ang mga bibili ng bahay sa Adams County, Pennsylvania.

Dumadaan sa Adams Economic Alliance / Adams County Economic Development Corporation (ACEDC) ang mga aplikasyon para sa Adams County Homebuyer Assistance Program (Downpayment Assistance), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted on an ongoing basis; appraisal must be submitted at least 20 days before closing. 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.