Down Payment Assistance Program (City of Mobile)

Down Payment Assistance Program (City of Mobile)是面向Mobile，Alabama购房者的可免除贷款，由City of Mobile Community & Housing Development Department管理。 The City of Mobile's First Time Home Buyers' Program (Down Payment Assistance Program) helps income-eligible first-time buyers with up to $15,000 toward down payment and eligible closing costs to purchase a home within Mobile city limits. Funds are a HUD HOME-funded forgivable loan, fully forgiven if the buyer occupies the home as their primary residence for five years. All applicants must complete at least 8 hours of pre-purchase homeowner counseling, and the home must pass an HQS inspection. Up to $15,000 for down payment and eligible closing costs. 0% interest, forgiven after 5 years of owner-occupancy. Covers single-family, condo, duplex, and modular homes. Pre-purchase counseling provided through local HUD-approved partners. 资金来自U.S. Department of Housing and Urban Development (HUD) HOME Investment Partnerships Program.

Down Payment Assistance Program (City of Mobile)提供最高$15,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of Mobile Community & Housing Development Department决定。

Down Payment Assistance Program (City of Mobile)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Pro-rata repayment if the homeowner does not maintain the home as their primary residence for the full five-year period. 该援助以Second顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Down Payment Assistance Program (City of Mobile)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Consumer Credit Counseling Services of Mobile (251-602-0011); Legal Services Alabama (251-433-6560 ext. 3429). HUD requires at least 8 hours of approved pre-purchase counseling.提供。 居住要求：Home must be within Mobile city limits and occupied as primary residence; HUD requires a five-year residency. 公民身份或移民身份：U.S. citizens or legal aliens with a valid Green Card. Separate from the already-cataloged Mobile COUNTY First Time Home Buyers Program - this is the CITY of Mobile program. The 2022 flyer (up to $10,000, or $15,000 for blighted property) is superseded by the 6/11/2025 flyer showing up to $15,000. Min credit score and DTI not published on the official source and are omitted.

Down Payment Assistance Program (City of Mobile)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 HUD income limits effective 6/1/2025 (household must earn less than): 1 person $45,650; 2 $52,200; 3 $58,700; 4 $65,200; 5 $70,450; 6 $75,650; 7 $80,850; 8 $86,100. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Down Payment Assistance Program (City of Mobile)将房价上限设为$193,000。 符合条件的房屋类型包括Single Family、Condo、Duplex和Modular。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment Assistance Program (City of Mobile)服务于在Mobile，Alabama购房的购房者。

Down Payment Assistance Program (City of Mobile)的申请通过City of Mobile Community & Housing Development Department办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Applications through the City of Mobile Community & Housing Development Department after completing homebuyer counseling.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。