Chester County First Time Homebuyer Program

Ang Chester County First Time Homebuyer Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Chester County, Pennsylvania, na pinangangasiwaan ng Chester County Department of Community Development (operated by the Housing Partnership of Chester County). The Chester County First Time Homebuyer Program (Chester County Dept of Community Development, HUD HOME-funded, operated by the Housing Partnership of Chester County) provides pre-purchase counseling and a 0% interest deferred second-mortgage loan for down payment and closing costs to first-time buyers at or below 80% AMI purchasing anywhere in Chester County. The loan is based on need, up to $40,000, repaid in full upon sale, transfer, or refinance. 0% interest deferred loan for down payment and closing costs. Loan up to $40,000 based on need. No monthly payments until sale/transfer/refinance. Free HUD-certified counseling (English and Spanish). Ang pondo ay mula sa Federal HUD HOME Investment Partnerships Program funds (24 CFR Part 92) through Chester County Department of Community Development.

Nag-aalok ang Chester County First Time Homebuyer Program ng tulong na hanggang $40,000. Mga award tier: County-wide max loan $40,000; based on individual financial need. Ambag ng bibili ng bahay: Minimum $1,000 of borrower's own funds toward purchase, plus proof of two months of reserves at settlement. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Chester County Department of Community Development (operated by the Housing Partnership of Chester County) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Chester County First Time Homebuyer Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may All funds repaid when the property is sold, transferred, or refinanced. Nakatala ang tulong bilang lien sa posisyong Second mortgage lien. 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 Chester County First Time Homebuyer Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Must not have owned a home in the 3 years prior to application; displaced homemakers also qualify. Tungkol sa credit, sinasabi ng programa: No minimum credit score published; HPCC may deny based on income, credit history, sales price, assets, and property condition. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Housing Partnership of Chester County (required homebuying seminar/group counseling up to 8 hrs + one-on-one and a credit/budgeting session with a HUD-certified counselor). Citizenship o katayuan sa imigrasyon: Application collects citizenship status; no explicit eligibility restriction stated. Eligible settlement expenses include title work, deed/document prep, escrows, notary/credit/appraisal/inspection fees, transfer taxes, recording fees, loan discount/origination points, and DP/closing costs. Min credit score, max DTI, and the specific HUD HOME max purchase price not published numerically (null). The $40,000 cap is current; an older HPCC description referenced $10,000 county-wide / $20,000 in Coatesville—confirm current Coatesville treatment with HPCC.

Nililimitahan ng Chester County First Time Homebuyer Program 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 by household size: 1=$66,850; 2=$76,400; 3=$85,950; 4=$95,500; 5=$103,150; 6=$110,800; 7=$118,450; 8=$126,100. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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.

Ganito nililimitahan ng Chester County First Time Homebuyer Program ang presyo ng pagbili: Maximum sales price determined by HUD's HOME Program. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Semi-detached, Attached/townhouse, at Condominium. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Chester County First Time Homebuyer Program ang mga bibili ng bahay sa Chester County, Pennsylvania. Tinutukoy ng programa ang mga partikular na lugar: $40,000 county-wide max anywhere in Chester County; HPCC historically noted enhanced assistance for City of Coatesville purchases.

Dumadaan sa Chester County Department of Community Development (operated by the Housing Partnership of Chester County) ang mga aplikasyon para sa Chester County First Time Homebuyer Program, 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.