Down Payment and Closing Costs Assistance Program

Ang Down Payment and Closing Costs Assistance Program ay isang grant para sa mga bibili ng bahay sa Susquehanna|Wyoming|Bradford County, Pennsylvania. Trehab Community Action Agency is the Northern Pennsylvania community action agency serving Susquehanna, Wyoming, and Bradford counties. Trehab's Down Payment and Closing Costs Assistance Program provides grants to first-time, low- and moderate-income homebuyers purchasing primary residences in their service area. Funding flows through the Pennsylvania Housing Finance Agency Housing Trust Fund and HUD Community Services Block Grant pass-through dollars. The grant is bundled with Trehab's HUD-certified pre-purchase homebuyer education program and one-on-one financial counseling. Closing-cost and down-payment assistance grant of up to $5,000 for first-time, low- and moderate-income homebuyers purchasing a primary residence in Trehab Community Action Agency's three-county service area: Susquehanna, Wyoming, and Bradford counties. Funds are sourced from PHFA Housing Trust Fund / HUD CSBG / Pennsylvania Department of Community and Economic Development pass-through dollars. The grant is non-repayable subject to recapture if the buyer fails to meet primary-residence requirements. Ang pondo ay mula sa PHFA Housing Trust Fund, HUD CSBG, State, at Federal.

Ang Down Payment and Closing Costs Assistance Program ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Non-repayable grant subject to recapture if buyer fails to occupy the property as primary residence per program affordability terms. 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 Down Payment and Closing Costs 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 homebuyer (no ownership of principal residence in prior 3 years). Tungkol sa credit, sinasabi ng programa: Underwriting follows first-mortgage product; Trehab counsels borrowers with credit scores in the 600s. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Trehab CAA HUD-approved housing counseling program; pre-purchase 8-hour education and one-on-one counseling required. Requirement sa paninirahan: Property must be located within Susquehanna, Wyoming, or Bradford County, PA, and occupied as primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen. Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years) and purchase a primary residence in Susquehanna, Wyoming, or Bradford County. Buyer must complete Trehab pre-purchase counseling and 8-hour homebuyer education. Income limits track PHFA Housing Trust Fund / HUD CSBG limits applicable in the funding cycle. Property must pass HUD HQS / lead-based paint inspection.

Ganito itinatakda ng Down Payment and Closing Costs Assistance Program ang income limit nito: Income limits track PHFA Housing Trust Fund / HUD CSBG / DCED limits in the active funding cycle. Specific 2026 dollar limits not published; verify with Trehab CAA at intake. 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 Down Payment and Closing Costs Assistance Program ang presyo ng pagbili: Tracks PHFA / HUD HOME 95% area median purchase price for Susquehanna, Wyoming, and Bradford counties. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhouse, Condominium, at Manufactured (real-property only). Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Down Payment and Closing Costs Assistance Program ang mga bibili ng bahay sa Susquehanna|Wyoming|Bradford County, Pennsylvania. Tinutukoy ng programa ang mga partikular na lugar: Susquehanna, Wyoming, and Bradford counties, PA.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Down Payment and Closing Costs Assistance 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 annual PHFA Housing Trust Fund / CSBG allocation; applicants apply directly to Trehab. 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.