Neighborhood Redevelopment Down-payment Assistance

Ang Neighborhood Redevelopment Down-payment Assistance ay isang loan na mapapatawad para sa mga bibili ng bahay sa Florence, South Carolina. City of Florence Community Services down-payment and closing-cost assistance for low- to moderate-income buyers purchasing newly constructed homes built by the City throughout the North, Northwest, and East Florence redevelopment neighborhoods. Assistance amount is determined case-by-case depending on the home purchased and is structured as a 15-year deferred, forgivable second mortgage. The City also pays a 4% realtor commission on behalf of the buyer. Pro-rated repayment is owed if the home is sold or no longer owner-occupied within the 15-year affordability period. Down-payment and closing-cost assistance toward the purchase of newly constructed City of Florence homes built in North, Northwest, and East Florence under the Neighborhood Redevelopment program. Amount of assistance varies and is provided on a case-by-case basis depending on the home purchased. Assistance is a 15-year deferred, forgivable second mortgage. The City pays a 4% realtor's fee on behalf of the buyer. No monthly payments. Fully forgiven at the 15-year anniversary if owner-occupancy is maintained. Ang pondo ay mula sa City of Florence Neighborhood Redevelopment funds; CDBG and local funds; HUD Federal/Local.

Pinapatawad ang Neighborhood Redevelopment Down-payment Assistance pagkalipas ng 15 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, or failure to maintain the property as primary residence within the 15-year term triggers pro-rated repayment of the unforgiven balance to the City. After 15 years 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 Neighborhood Redevelopment Down-payment Assistance 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: No published minimum FICO; lender underwriting standards apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Buyer must complete a homebuyer education class. Requirement sa paninirahan: Property must be a City-constructed redevelopment home located in North, Northwest, or East Florence. Funds available on a first-come, first-served basis. $25 nonrefundable application fee. Buyer must complete homebuyer education class. Income eligibility verified (all income counted). Home must pass inspection by City and/or state prior to closing. Buyer must be approved by a bank or mortgage lender. Property must be a City of Florence-constructed redevelopment home in North, Northwest, or East Florence. Buyer must contribute at least $1,000 of own funds. Buyer must identify their realtor (if applicable) on the application form.

Nililimitahan ng Neighborhood Redevelopment Down-payment Assistance 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 within the City of Florence eligible range, approximately 80% AMI for Florence, SC: 1p $39,350; 2p $44,950; 3p $50,550; 4p $56,150; 5p $60,650; 6p $65,150; 7p $69,650; 8p $74,200. All income sources counted. 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 Neighborhood Redevelopment Down-payment Assistance ang presyo ng pagbili: Limited by the sale price of City of Florence-constructed homes in the redevelopment areas. Kabilang sa mga kwalipikadong uri ng ari-arian ang Newly constructed single-family home built by the City of Florence in the North/Northwest/East Florence redevelopment neighborhoods. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Neighborhood Redevelopment Down-payment Assistance ang mga bibili ng bahay sa Florence, South Carolina. Tinutukoy ng programa ang mga partikular na lugar: Neighborhood Redevelopment areas in North Florence, Northwest Florence, and East Florence where the City of Florence is constructing new infill homes.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Neighborhood Redevelopment Down-payment Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications submitted to City of Florence Community Services on a first-come, first-served basis; $25 nonrefundable application fee. 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.