Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)

Ang Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Eau Claire County, Wisconsin, na pinangangasiwaan ng Eau Claire County Housing Authority. No-interest, deferred-payment second-mortgage loans of up to $8,000 to eligible renters to obtain a first mortgage for home purchase, funded by HODAP, HCRI, HOME and CDBG through the State of Wisconsin DOA Division of Housing. Housing units must be located in Eau Claire County but outside the city limits of Eau Claire. A homebuyer rehabilitation loan can be paired with the DPA loan. Up to $8,000 toward down payment and closing costs; 0% interest, deferred-payment (silent) second mortgage; disbursed directly to lender at closing. Ang pondo ay mula sa State of Wisconsin DOA Division of Housing — HODAP, HCRI, HOME and CDBG funds.

Nag-aalok ang Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ng tulong na hanggang $8,000. Mga award tier: Preference to households <50% AMI. Loan is deferred, 0% interest, repaid in full upon transfer of any interest in the property (other than to a spouse), if the home ceases to be the borrower's principal residence, or if the borrower fails to stay current on property taxes or maintain adequate insurance. No stated loan term (deferred until trigger). Ambag ng bibili ng bahay: Buyers <50% AMI must contribute at least $500 of their own funds; buyers 51-80% AMI must contribute at least $1,000. Maaaring isama ang programa sa Homebuyer Housing Rehabilitation Loan (same agency). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Eau Claire County Housing Authority ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repaid in full if any interest in the property is transferred (other than to a spouse), the home ceases to be the borrower's principal residence, the household fails to stay current on property taxes, or fails to maintain adequate property insurance. 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 Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Eau Claire County Housing Authority pre-purchase education (real estate transactions & disclosures, purchase process, Fair Housing, insurance, budgeting, affordability). Requirement sa paninirahan: Property must be in Eau Claire County but outside Eau Claire city limits.

Nililimitahan ng Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Monthly income cannot exceed 80% of county median income; preference to families <50% AMI. Income limits effective March 2024 (subject to change): 50% AMI / 80% AMI by household size — 1: $34,800/$55,650; 2: $39,800/$63,600; 3: $44,750/$71,550; 4: $49,700/$79,500; 5: $53,700/$85,900; 6: $57,700/$92,250; 7: $61,650/$98,600; 8: $65,650/$104,950. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. 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 Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ang presyo ng pagbili: Total indebtedness in the property may not exceed 100% of fair market value at closing (no explicit purchase price cap stated). Kabilang sa mga kwalipikadong uri ng ari-arian ang single_family.

Pinaglilingkuran ng Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME) ang mga bibili ng bahay sa Eau Claire County, Wisconsin. Mga target na kapitbahayan: Eau Claire County excluding City of Eau Claire.

Dumadaan sa Eau Claire County Housing Authority ang mga aplikasyon para sa Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.