Housing Development Corp. of Rock Hill First Time Home Buyer Program

Ang Housing Development Corp. of Rock Hill First Time Home Buyer Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Rock Hill, South Carolina. The Housing Development Corporation of Rock Hill (HDC), the affiliated nonprofit housing entity for the City of Rock Hill, runs a First-Time Home Buyer (FTHB) Program providing certified homebuyer education, one-on-one counseling, and up to $7,500 in down-payment and closing-cost assistance for income-eligible first-time buyers purchasing within Rock Hill city limits. Assistance is structured as a forgivable second mortgage that is forgiven over a 5-year affordability period (with longer terms for layered fund sources up to 20 years). The City of Rock Hill funds and supports HDC; programs are funded through CDBG, HOME, City of Rock Hill housing funds, and partner sources. Up to $7,500 in down-payment and closing-cost assistance for first-time homebuyers purchasing within City of Rock Hill city limits. Assistance is a forgivable second mortgage forgiven in increments annually over a 5-year period (program also offers 5-20 year forgiveness terms depending on layered funding source). Includes certified First-Time Home Buyer education class plus one-on-one housing counseling at no cost. Ang pondo ay mula sa CDBG, HOME, City of Rock Hill housing funds; HUD Federal and Local.

Pinapatawad ang Housing Development Corp. of Rock Hill First Time Home Buyer Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale of home, transfer of title, conversion to non-residential use, or failure to maintain as primary residence within the 5-year affordability period triggers repayment of the unforgiven balance. After year 5 the lien is released. 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 Housing Development Corp. of Rock Hill First Time Home Buyer Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Tungkol sa credit, sinasabi ng programa: Minimum FICO of 620. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Housing Development Corporation of Rock Hill (HDC) certified First-Time Home Buyer Class (offered both in-person and online); covers budgeting, mortgage loans, real estate transactions, and DPA programs. Required to qualify for assistance. Plus one-on-one credit, budget, and home-purchase counseling. Requirement sa paninirahan: Property must be located within the corporate limits of the City of Rock Hill, SC. Must be first-time homebuyer (no homeownership in past 3 years). Must complete the HDC First-Time Home Buyer Class. Property must be located within City of Rock Hill city limits and serve as primary residence. Minimum credit score of 620. Debt-to-income ratio below 57%. Reserves equal to at least 1.5% of the home price required. Household income below 80% AMI. Funding limited and provided on first-come, first-served basis.

Nililimitahan ng Housing Development Corp. of Rock Hill First Time Home Buyer 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 must be at or below 80% AMI for the Rock Hill / Charlotte-Concord-Gastonia metro area (York County, SC), FY2025: 1p $59,400; 2p $67,900; 3p $76,400; 4p $84,850; 5p $91,650; 6p $98,450; 7p $105,250; 8p $111,950. 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 Housing Development Corp. of Rock Hill First Time Home Buyer Program ang presyo ng pagbili: No published maximum purchase price; assistance amount is fixed and limited to $7,500. Kabilang sa mga kwalipikadong uri ng ari-arian ang Newly constructed or existing single-family homes, condominiums and townhomes, at modular homes on a permanent foundation. All within Rock Hill city limits and used as primary residence. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Housing Development Corp. of Rock Hill First Time Home Buyer Program ang mga bibili ng bahay sa Rock Hill, South Carolina.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Housing Development Corp. of Rock Hill First Time Home Buyer Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application submitted to HDC after completion of First-Time Home Buyer class and one-on-one counseling. Pre-screening application available online. Funding first-come, first-served. 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.