HouseHartford Homebuyer Assistance Program

HouseHartford Homebuyer Assistance Program是面向Hartford，Connecticut购房者的可免除贷款。 HouseHartford is the City of Hartford's down-payment assistance program for low- and moderate-income homebuyers purchasing 1-4 family homes and condominiums in Hartford as primary residences. Created by the City of Hartford in partnership with HUD and Fannie Mae, the program provides up to 20% of the purchase price (maximum $40,000) as a 0% interest second-mortgage forgivable loan. The loan is forgiven over a 5- to 15-year affordability period tied to the assistance amount. The program is administered by the City of Hartford's Division of Housing within the Department of Development Services and is delivered through five participating lenders. Buyers must complete an 8-hour homebuyer class with a partner counseling agency (CRT, Mutual Housing of Greater Hartford, Urban League, or NHS of Greater New Britain) and the property must pass a pre-closing HouseHartford inspection. Since inception the program has assisted more than 1,300 Hartford families. Down-payment assistance up to 20% of the purchase price (maximum $40,000) structured as a 0% interest second-mortgage forgivable loan. Loan is forgiven over a 5- to 15-year affordability period (length tied to assistance amount) so long as the property is the buyer's primary residence. No monthly payments. May be used for 1-4 family homes and condominium units in the City of Hartford. 资金来自HOME、CDBG、Federal和Local Government。

HouseHartford Homebuyer Assistance Program按项目规定，提供相当于房价20%的援助。 购房者自付部分：Minimum buyer contribution from own funds: $1,000 (incomes <=50% AMI) or $2,000 (incomes 51-80% AMI)。 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管理该项目的机构决定。

HouseHartford Homebuyer Assistance Program在15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 a 5-15 year affordability period so long as the property remains the buyer's primary residence. Due in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability 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。

HouseHartford Homebuyer Assistance Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No published minimum FICO; underwriting follows the buyer's first-mortgage product (typically 620+)。 须参加购房者教育课程，由Community Renewal Team (CRT) 860-560-5501; Mutual Housing Association of Greater Hartford 860-296-1797; Urban League of Greater Hartford 860-527-0147; Neighborhood Housing Services of Greater New Britain 860-224-2433. 8-hour homebuyer class required.提供。 居住要求：Property must be located within the City of Hartford, 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 HUD HOME rules and the buyer's first-mortgage product。 Property must be a 1-4 family home or condominium located in the City of Hartford and used as the buyer's primary residence. Buyer must complete an 8-hour homebuyer education class with one of the City's education partners. Buyer must use their own funds for a minimum contribution of $1,000 (households at or below 50% AMI) or $2,000 (households >50%-80% AMI). Property must pass the HouseHartford pre-closing inspection (heat, hot water, electric, roof, smoke/CO detectors, GFCI, paint condition, plumbing, etc.). The first-mortgage payment must be 'affordable' per HouseHartford underwriting. A $250 application fee is due at closing after final funding approval. Maximum assistance is the lesser of 20% of the purchase price or $40,000.

HouseHartford Homebuyer 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 not exceed 80% of the Hartford Area Median Family Income (updated annually by HUD). 2025 limits: 1-person $70,950; 2-person $81,050; 3-person $91,200; 4-person $101,300; 5-person $109,450 (additional household-size steps published annually). 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。

HouseHartford Homebuyer Assistance Program的房价上限如下：No fixed dollar maximum; HUD HOME 95% maximum-purchase-price rule applies。 符合条件的房屋类型包括Single-family detached、2-unit、3-unit、4-unit和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

HouseHartford Homebuyer Assistance Program服务于在Hartford，Connecticut购房的购房者。

HouseHartford Homebuyer 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Application submitted by participating lender on buyer's behalf to City of Hartford Division of Housing; subject to annual HUD HOME funding allocation.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。