Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program

Ang Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Cumberland County, Pennsylvania, na pinangangasiwaan ng The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities). A county-funded first-time homebuyer down payment and closing cost assistance program providing up to $5,000 (up to $3,000 for 80-100% AMI; up to $5,000 below 80% AMI) as a five-year, no-interest, forgivable second-mortgage loan, matching the buyer's contribution 3-to-1. Applicants must have lived or worked in Cumberland County for six months, be a first-time homebuyer, have a 620+ credit score, complete homebuyer education, hold no more than $30,000 in assets after settlement, and purchase a single-family home in Cumberland County. Up to $5,000 in DP/closing cost assistance. No interest, no monthly payments. Fully forgiven after 5 years. 3-to-1 match on buyer contribution. No maximum purchase price. Ang pondo ay mula sa County of Cumberland (administered via the Redevelopment Authority of Cumberland County); awards each year depend on the annual allocation.

Nag-aalok ang Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ng tulong na hanggang $5,000. Mga award tier: 80-100% of County Median Income: up to $3,000. Below 80% of County Median Income: up to $5,000. Ambag ng bibili ng bahay: Buyer must contribute their own funds matched 3-to-1 (program provides $3 per $1 of buyer funds); match capped at $3,000 (80-100% AMI) or $5,000 (below 80% AMI). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, transfer, or loss of owner-occupancy before the 5-year forgiveness term completes; 1/60 forgiven per month. Nakatala ang tulong bilang lien sa posisyong Second. 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 Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance 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 = never owned a home; owned a mobile home but not the land; displaced homemaker; or not owned a home within the last three years. Tungkol sa credit, sinasabi ng programa: Credit score of 620 or higher with lender documentation. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Any HUD-approved Housing Counseling agency; certificate of completion required prior to settlement. Requirement sa paninirahan: Must have lived or worked in Cumberland County for at least six months. PROGRAM STATUS: official program page (modified 2026-05-27) states the program CLOSES TO NEW APPLICATIONS EFFECTIVE JULY 1, 2026; active and accepting applications as of the research date (2026-06-15). Upon approval, applicant has up to 6 months to close. Detailed guidelines/application/grant-agreement PDFs are linked on the program page but cached copies returned mismatched documents; values are from the official HTML program page only. Max DTI, citizenship, new-construction/HOA/flood-zone, and loan-mechanics fields not specified (null).

Nililimitahan ng Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 2026 income limits (gross annual household income not to exceed 100% AMI): 1: 80%=$61,250/100%=$76,600; 2: $70,000/$87,500; 3: $78,750/$98,400; 4: $87,450/$109,300; 5: $94,450/$118,100; 6: $101,450/$126,800; 7: $108,450/$135,600; 8: $115,450/$144,300. 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 Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ang presyo ng pagbili: No maximum purchase price; eligible applicants may purchase single-family homes of any price in Cumberland County. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Manufactured home (HUD code, permanently affixed), at Modular/factory-built housing. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program ang mga bibili ng bahay sa Cumberland County, Pennsylvania.

Dumadaan sa The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities) ang mga aplikasyon para sa Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted year-round; funds reserved first-come, first-served subject to availability. 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.