Hamden CDBG Homebuyer Assistance Grant Program

Hamden CDBG Homebuyer Assistance Grant Program是面向Hamden，Connecticut购房者的补助金，由Town of Hamden, Office of Economic and Community Development管理。 A Town of Hamden CDBG-funded grant that helps low- and moderate-income homebuyers purchase a home anywhere in Hamden. The grant covers up to 50% of the lender's required down payment, up to $15,000, and is not repaid if the buyer owner-occupies at least three years. Buyers must complete an 8-hour HUD-certified homebuyer education class, meet 80% AMI income limits, and finance with a fixed-rate FHA, VA, or conventional first mortgage. Grant of up to $15,000 (50% of required down payment). No repayment if owner-occupied 3+ years. Town-wide (not limited to target neighborhoods). Pre-approval valid up to 12 months. 资金来自U.S. Department of Housing and Urban Development - Community Development Block Grant (CDBG)。

Hamden CDBG Homebuyer Assistance Grant Program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Town of Hamden, Office of Economic and Community Development决定。

Hamden CDBG Homebuyer Assistance Grant Program属于补助金，因此无需偿还。 触发还款的情形：Grant (no repayment) unless owner fails to owner-occupy for the minimum three (3) years。 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。

Hamden CDBG Homebuyer Assistance Grant Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Applicants must not have owned any residential property within 3 years prior to application。 须参加购房者教育课程，由8-hour HUD-certified homebuyer education within 1 year prior to applying (e.g., NHS of New Haven; HDF Stamford)提供。 公民身份或移民身份：No corporation or commercial entity eligible。 Distinct from the Town of Hamden target-area $5,000 interest-free First-Time Homeownership DPA loan. Contingent on continued HUD/CDBG funding. Taxes current; pre-1978 lead clearance; environmental review and licensed inspection required. Front-end DTI max 30% (35% case-by-case); back-end 45%.

Hamden CDBG Homebuyer Assistance Grant Program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。 At or below 80% AMI, New Haven-Meriden CT HUD Metro FMR Area (FY2025): 1p $63,700; 2p $72,800; 3p $81,900; 4p $90,950; 5p $98,250; 6p $105,550; 7p $112,800; 8p $120,100. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Hamden CDBG Homebuyer Assistance Grant Program的房价上限如下：Below HUD Section 221(d)(3) limits for Hamden, CT, or no more than 90% of area median purchase price, whichever is lower。 符合条件的房屋类型包括Single Family、Condo、Townhouse和2-4 Unit。 新建房屋符合条件。

Hamden CDBG Homebuyer Assistance Grant Program服务于在Hamden，Connecticut购房的购房者。

Hamden CDBG Homebuyer Assistance Grant Program的申请通过Town of Hamden, Office of Economic and Community Development办理，该机构在其网站上公布现行条款和申请步骤。 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。