NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan

Ang NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan ay isang pangalawang mortgage para sa mga bibili ng bahay sa 23 county sa Pennsylvania, na pinangangasiwaan ng NeighborWorks Western Pennsylvania. A fixed-rate second-mortgage down payment and closing-cost assistance loan for eligible first-time homebuyers across 23 Western Pennsylvania counties. Requires a Conventional or FHA first mortgage from an approved lending partner, a 620+ credit score, owner-occupancy, and 8 hours of HUD-approved education plus counseling. Income limit 105% of AMI (waived in LMI census tracts); borrowers can bring as little as $1,500 of their own funds. Low borrower cash (as little as $1,500). Income eligibility waived in LMI census tracts. Covers down payment and closing costs via a fixed-rate second mortgage. Ang pondo ay mula sa NeighborWorks Western Pennsylvania lending capital.

Ang NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan ay isang pangalawang mortgage at binabayaran ayon sa mga tuntuning itinakda ng NeighborWorks Western Pennsylvania. Kailangang bayaran kapag may Repayable second mortgage — amortizing fixed-rate loan; standard repayment. Nakatala ang tulong bilang lien sa posisyong Second (subordinate to first mortgage); must meet program CLTV guidelines. 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 NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan 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": HUD first-time homebuyer definition (3-year rule with standard exceptions). Tungkol sa credit, sinasabi ng programa: Minimum credit score 620. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 8 hours HUD-approved homebuyer education (online via eHome America) plus a 1-hour budget/loan review with a NeighborWorks WPA counselor before closing; post-purchase counseling at 6 months and annually for 7 years. 8 hours HUD education + 1-hour counseling pre-closing; post-purchase counseling 6 months and annually for 7 years; 620 min credit; first mortgage from an approved lending partner. Serves 23 western PA counties. Verified via NeighborWorks WPA eligibility/requirements pages and HUD income-limits PDF; interest rate and amount range not published on site (left blank).

Nililimitahan ng NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan ang kita ng sambahayan sa 105% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 105% of AMI. Pittsburgh HUD Metro (2022) at 105%: 1 $69,700 ... 4 $99,550 ... 8 $131,450. For the 17 counties outside the Pittsburgh Metro, 105% of that county's AMI applies. Income eligibility WAIVED for purchases in a Low/Moderate-Income census tract (FFIEC). 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.

Magagamit ang NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan para sa Single Family.

Pinaglilingkuran ng NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan ang mga bibili ng bahay sa 23 county sa Pennsylvania. Mga county na pinaglilingkuran: Allegheny, Armstrong, Beaver, Butler, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Huntingdon, Indiana, Jefferson, Lawrence, McKean, Mercer, Somerset, Venango, Washington, Warren, at Westmoreland.

Dumadaan sa NeighborWorks Western Pennsylvania ang mga aplikasyon para sa NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Borrower obtains a first mortgage from an approved lending partner; NeighborWorks WPA underwrites/originates the second mortgage. 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.