Home Buyers Loan Program (City of Opelika)

Home Buyers Loan Program (City of Opelika)是面向Opelika，Alabama购房者的可免除贷款，由City of Opelika Community Development Department管理。 The City of Opelika provides down payment and closing-cost assistance through its CDBG-funded Home Buyers Loan Program for low- and moderate-income first-time buyers citywide, with preference for the Jeter Avenue Target Area. The City grants 50% of the lender-required down payment and customary closing costs, up to $6,000 per participant, structured as a 0% interest loan forgiven after five years of owner-occupancy. Buyers must not have owned a home in the past three years, must complete ACHR housing counseling, and must purchase within Opelika city limits; mobile and modular homes are not eligible. Up to $6,000 (50% of lender-required down payment plus closing costs). 0% interest, forgiven after 5 years. Free housing counseling through ACHR. Preference for Jeter Avenue Target Area buyers. 资金来自Community Development Block Grant (CDBG) from HUD.

Home Buyers Loan Program (City of Opelika)提供最高$6,000的援助。 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 Opelika Community Development Department决定。

Home Buyers Loan Program (City of Opelika)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：If the homeowner does not remain in the home for at least five years after closing, the loan must be repaid. 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。

Home Buyers Loan Program (City of Opelika)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Alabama Council on Human Relations (ACHR) provides home buyer training at no cost (home maintenance, financial management, credit, budgeting, insurance, foreclosure prevention, working with a realtor and lender).提供。 居住要求：Home must be within Opelika city limits and owner-occupied. Min credit score and DTI not published. Assistance is 50% of the lender-required down payment plus customary closing costs, capped at $6,000. Buyer signs a 5-year promissory note recorded at the Lee County Courthouse.

Home Buyers Loan Program (City of Opelika)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。 Total household income cannot exceed 80% of HUD area median for Auburn-Opelika, AL (FY2025-2029, median family income $95,300). 80% (moderate income) upper limits by household size: 1 person $53,400; 2 $61,000; 3 $68,650; 4 $76,250; 5 $82,350; 6 $88,450; 7 $94,550; 8 $100,650. 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。

Home Buyers Loan Program (City of Opelika)可用于Single Family。 预制房屋不符合条件。

Home Buyers Loan Program (City of Opelika)服务于在Opelika，Alabama购房的购房者。 该项目针对特定区域：Preference given to buyers in the Jeter Avenue Target Area (bound by 6th St, Samford Avenue, Fox Run Parkway, and Torbert Boulevard).

Home Buyers Loan Program (City of Opelika)的申请通过City of Opelika Community 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Application through the City of Opelika Community Development Department; ACHR provides housing 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。