Hamden First-Time Homeownership Downpayment Assistance Program

Hamden First-Time Homeownership Downpayment Assistance Program是面向Hamden，Connecticut购房者的静默第二贷款，由Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development)管理。 A CDBG-funded down-payment assistance program run by the Town of Hamden Department of Community Development to help low- and moderate-income first-time homebuyers purchase in Hamden's CDBG target areas (Highwood, State Street, Hamden Plains). Qualified applicants receive up to $5,000 in matching funds as an interest-free, no-monthly-payment second mortgage repaid upon sale or transfer, usable for down payment and/or attorney fees. Up to $5,000 matching down-payment assistance. Interest-free, no monthly payments. Usable for down payment and/or attorney fees. $500 AGI credits for minor children, elderly, disabled, veteran/military. Town-paid lead inspection for pre-1978 homes. 资金来自Federal CDBG funds administered by the Town of Hamden。

Hamden First-Time Homeownership Downpayment Assistance Program提供最高$5,000的援助。 购房者自付部分：Structured as matching funds (up to $5,000) toward the buyer's down payment and/or attorney fees. 该项目可与Requires a primary first mortgage; functions as matching down-payment assistance.结合使用。 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 Department of Community Development (Office of Housing & Neighborhood Development)决定。

Hamden First-Time Homeownership Downpayment Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Repayment due upon sale or transfer of the property, per the grant commitment terms. 该援助以Second mortgage / lien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。

Hamden First-Time Homeownership Downpayment Assistance 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：No ownership in any residential property within 3 years of application. 关于信用，该项目说明：Not specified; Town may verify credit history. 须参加购房者教育课程，由HUD-approved housing/credit counseling agency; Pre-Purchase Counseling Certificate required.提供。 居住要求：Home purchased within the Town of Hamden, primarily in CDBG target areas (Highwood, State Street, Hamden Plains); outside-area homes case-by-case. Geographically targeted: purchase generally within Hamden CDBG target areas (Highwood, State Street, Hamden Plains); outside is case-by-case. Pre-purchase counseling certificate required. Liquid assets after closing must not exceed $20,000 (excl. pensions, life insurance, IRAs). All applicant taxes (incl. CT motor vehicle) must be current. Pre-1978 homes need lead assessment + clearance. Application on file rev. 4/2021; income limits and current funding should be verified with the Town (203-562-5129 x1121). A separate Hamden EDC Homebuyer Assistance Grant of up to $15,000 also exists and is not documented here.

Hamden First-Time Homeownership Downpayment Assistance 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。 Household income <= 80% of median family AGI for the New Haven/Meriden MSA, adjusted for family size. Policies & Procedures table: 1p $54,950; 2p $62,800; 3p $70,650; 4p $78,500; 5p $84,800; 6p $91,100; 7p $97,350; 8p $103,650. ($500 AGI credit each for minor child, elderly 62+, disabled member, and veteran/military status.). 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 First-Time Homeownership Downpayment Assistance Program可用于Single Family和2-4 Unit。

Hamden First-Time Homeownership Downpayment Assistance Program服务于在Hamden，Connecticut购房的购房者。 该项目针对特定区域：Hamden CDBG target areas - Highwood, State Street, Hamden Plains (eligible streets listed in the application). Outside-area homes case-by-case.

Hamden First-Time Homeownership Downpayment Assistance Program的申请通过Town of Hamden Department of Community Development (Office of Housing & Neighborhood Development)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-based; priority-consideration documentation must accompany the application.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。