City of Scranton Homebuyer Program

Ang City of Scranton Homebuyer Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Scranton, Pennsylvania. The City of Scranton Homebuyer Program is administered by NeighborWorks Northeastern Pennsylvania on behalf of the City of Scranton's HUD HOME and CDBG entitlement allocations. It provides up to $14,999 in down-payment and closing-cost assistance to first-time homebuyers purchasing a primary residence within the city limits. Assistance is provided as a 0% interest deferred / forgivable second mortgage with a 5-year affordability period and is layered with the buyer's first mortgage product (FHA, VA, USDA, or Conventional). Up to $14,999 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence within the City of Scranton. Provided as a 0% interest deferred / forgivable second mortgage funded through City of Scranton HUD HOME / CDBG pass-through dollars and administered by Neighborworks Northeastern PA. Forgiven over a 5-year affordability period. Ang pondo ay mula sa HOME, CDBG, Federal, at Local Government.

Pinapatawad ang City of Scranton Homebuyer Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Forgiven pro-rata over a 5-year affordability period at balance due if buyer sells, refinances with cash-out, transfers title, or ceases to occupy the home as primary residence during the affordability period. Nakatala ang tulong bilang lien sa posisyong 2. 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 City of Scranton 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": First-time homebuyer (no ownership of principal residence in prior 3 years). Tungkol sa credit, sinasabi ng programa: Underwriting follows first-mortgage product; Neighborworks NEPA counsels borrowers with credit scores in the 600s. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Neighborworks Northeastern PA (HUD-approved housing counseling agency) - pre-purchase 8-hour homebuyer education and one-on-one counseling required. Requirement sa paninirahan: Property must be located within the City of Scranton, PA and occupied as the buyer's primary residence for the 5-year affordability period. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen permitted by HUD HOME / CDBG rules. Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence within the City of Scranton, and complete Neighborworks NEPA pre-purchase counseling and 8-hour homebuyer education. Household income at or below 80% HUD AMI for the Scranton-Wilkes-Barre MSA: ranges from ~$17,600 (very-low / extremely-low set-asides used in some funding rounds) up to ~$88,400 (8-person at 80% AMI). Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

Nililimitahan ng City of Scranton Homebuyer Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income between approximately $17,600 (extremely-low / very-low set-asides) and $88,400 (8-person at 80% Scranton-Wilkes-Barre MSA AMI). Limits updated annually by HUD. 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 City of Scranton Homebuyer Program ang presyo ng pagbili: Tracks HUD HOME 95% area median purchase price for City of Scranton. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhouse, Condominium, at 2-4 unit (owner-occupied). Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng City of Scranton Homebuyer Program ang mga bibili ng bahay sa Scranton, Pennsylvania.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa City of Scranton Homebuyer Program, 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 subject to City of Scranton annual HUD HOME / CDBG allocation; applicants apply through Neighborworks NEPA. 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.