Home Bridgeport - First Time Home Buyer Down Payment Assistance Program

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program是面向Bridgeport，Connecticut购房者的可免除贷款。 Home Bridgeport is the City of Bridgeport's first-time homebuyer down-payment and closing-cost assistance program, administered by Building Neighborhoods Together (BNT), a HUD-certified Community Housing Development Organization (CHDO) and HUD-approved housing counseling agency. The program provides up to $25,000 as a forgivable second mortgage, using HUD HOME funds passed through the City of Bridgeport, to help income-qualified first-time buyers purchase 1-2 unit homes or FHA-approved condominiums located within Bridgeport city limits. Buyers must complete BNT's 8-hour homebuyer education class and contribute at least 1% of the purchase price from their own funds. Deed restrictions apply for 5-10 years depending on the assistance amount. Up to $25,000 in forgivable down-payment and closing-cost assistance for first-time homebuyers purchasing a 1-2 unit home or FHA-approved condo in the City of Bridgeport. Loan is secured by a forgivable second mortgage with deed restrictions of 5-10 years depending on the loan amount. No monthly payments and no interest. Layered with the buyer's first-mortgage product (fixed-rate only, no cash back at closing). 资金来自HOME、CDBG、Federal和Local Government。

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program在10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：Forgivable second is forgiven over the 5-10-year affordability period (length depends on assistance amount) so long as the buyer occupies the home as primary residence和due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the deed-restriction period. 该援助以2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 Bridgeport - First Time Home Buyer Down Payment 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：Must not have owned any residential real estate in the previous 3 years (true first-time buyer or 3-year displaced homeowner). 关于信用，该项目说明：620 minimum FICO; no bankruptcy or foreclosure in past 3 years。 须参加购房者教育课程，由Building Neighborhoods Together (BNT) - HUD-approved housing counseling agency; 8-hour First Time Homebuyer Pre-Purchase Certificate Class required.提供。 居住要求：Property must be located within the City of Bridgeport, CT, and be the buyer's primary residence for the duration of the affordability period. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules。 Property must be located in the City of Bridgeport and be a 1-2 unit home or FHA-approved condominium (new construction). Property value cannot exceed 95% of Bridgeport's median single-family home price. Buyer must not have owned residential real estate in the previous 3 years; must occupy as primary residence; must contribute at least 1% of the purchase price from own funds; must complete an 8-hour HUD-approved homebuyer education class with BNT; minimum FICO 620; no bankruptcy or foreclosure within the past 3 years; liquid assets capped at $10,000 (excess must be applied toward purchase). Housing/total-debt ratios capped at 35% / 45%. Fixed-rate first mortgage only and no cash back at closing. Deed restrictions apply 5-10 years depending on loan amount; buyer must live in the home as primary residence for the affordability period. Funds awarded first-come, first-served to eligible buyers under contract.

Home Bridgeport - First Time Home Buyer Down Payment 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 must be at or below 80% HUD Area Median Income for the Bridgeport Metro Area: 1-person $71,650; 2-person $81,850; 3-person $92,100; 4-person $102,300; 5-person $110,500; 6-person $118,700; 7-person $126,900; 8-person $135,050. 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。

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program的房价上限如下：Property value cannot exceed 95% of the Bridgeport median single-family home price (HOME-program 95% rule); no fixed dollar cap published. 符合条件的房屋类型包括Single-family detached、2-unit (owner-occupied)和FHA-approved condominium (new construction)。 新建房屋符合条件。 预制房屋不符合条件。

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program服务于在Bridgeport，Connecticut购房的购房者。

Home Bridgeport - First Time Home Buyer Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served via BNT once buyer is under contract; applicant must complete BNT intake form and homebuyer education before formal 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。