Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance

Ang Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Douglas; Ashland; Bayfield; Burnett; Iron; Price; Rusk; Sawyer; Taylor; Washburn County, Wisconsin, na pinangangasiwaan ng Northwest Regional Planning Commission (NWRPC). The Northwest Regional Planning Commission's Regional Housing Program (Housing Cost Reduction Initiative) provides down payment and closing-cost assistance to income-eligible renters purchasing a home in its 10-county region. Assistance is a 0% interest deferred-payment loan of up to 10% of the purchase price, not to exceed 50% of the requested down payment, secured by a mortgage and deferred while the borrower owns and occupies the home as a primary residence. City of Superior residents are served under a separate HOME program. 0% interest deferred-payment loan. Up to 10% of purchase price toward down payment. Covers eligible closing costs. No payments while owner-occupied. Ang pondo ay mula sa Wisconsin DOA Housing Cost Reduction Initiative (HCRI), CDBG, and HOME via WI Department of Administration, Division of Energy, Housing and Community Resources.

Nagbibigay ang Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance ng tulong na katumbas ng 10% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Program provides up to 50% of the down payment; borrower funds the remainder. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Northwest Regional Planning Commission (NWRPC) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repaid when the borrower ceases to own/occupy the home as a primary residence, or on sale or transfer (deferred-payment mortgage). 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 Northwest Regional Housing Program - Homebuyer (HCRI) 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. Requirement sa paninirahan: Applicant must be a renter purchasing a home in one of NWRPC's served counties (Ashland, Bayfield, Burnett, Douglas, Iron, Price, Rusk, Sawyer, Taylor, Washburn). City of Superior residents are served under a separate HOME program and are excluded from this program. Applicant must currently be renting; should be pre-approved. City of Superior residents excluded (separate program). Exact maximum dollar amount, credit score, and DTI not published (left blank, not guessed). Contact NWRPC (Abigail Gilberg) to apply.

Nililimitahan ng Northwest Regional Housing Program - Homebuyer (HCRI) 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 gross income must be below HUD income limits (~80% AMI). 2025 HUD limits — Douglas County: 1=$56,350; 2=$64,400; 3=$72,450; 4=$80,500; 5=$86,950; 6=$93,400; 7=$99,850; 8=$106,300. Other 9 counties (Ashland, Bayfield, Burnett, Iron, Price, Rusk, Sawyer, Taylor, Washburn): 1=$52,000; 2=$59,400; 3=$66,850; 4=$74,250; 5=$80,200; 6=$86,150; 7=$92,100; 8=$98,050. Includes income of all members 18+ except full-time students under 22. 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 Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance para sa Single Family.

Pinaglilingkuran ng Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment Assistance ang mga bibili ng bahay sa Douglas; Ashland; Bayfield; Burnett; Iron; Price; Rusk; Sawyer; Taylor; Washburn County, Wisconsin. Tinutukoy ng programa ang mga partikular na lugar: Douglas County (excluding City of Superior) plus Ashland, Bayfield, Burnett, Iron, Price, Rusk, Sawyer, Taylor, and Washburn Counties, WI.

Dumadaan sa Northwest Regional Planning Commission (NWRPC) ang mga aplikasyon para sa Northwest Regional Housing Program - Homebuyer (HCRI) 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 Application through NWRPC; subject to fund availability; applicant preferably pre-approved for a 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.