Direct Homebuyer Assistance

Direct Homebuyer Assistance是面向Sussex县，Delaware购房者的可免除贷款。 The Sussex County Housing Trust Fund (SCHTF) Direct Homebuyer Assistance program, administered by the Sussex County Community Development & Housing Department, provides up to $20,000 of closing/settlement-cost assistance to qualifying households purchasing a primary residence in Sussex County. The program is funded by Sussex County Council (a local, non-federal funding source) and structured as a 10-year soft-second 0%-interest prorated mortgage that is satisfied after 10 years of continued owner-occupancy. Round 4 funding opened July 1, 2025 and is awarded first-come, first-served until exhausted. Direct buyer settlement-cost assistance of up to $20,000 per qualifying household for closing/settlement costs only on the purchase of a Sussex County primary residence. Structured as a soft-second 0%-interest prorated mortgage that is forgiven (considered satisfied) after 10 years of owner-occupancy with no triggering events. Available to first-time and repeat buyers with household income at or below 120% of Sussex County AMI. Round 4 funding became available July 1, 2025 and is awarded on a first-come, first-served basis until exhausted. (Note: the Sussex County Housing Trust Fund summary documents historically reference 'up to $30,000' in some marketing materials. the official 2025/2026 program manual table caps Direct Buyer Assistance at $20,000 per household.). 资金来自Local Government (Sussex County Housing Trust Fund - Sussex County Council appropriation)。

Direct Homebuyer Assistance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：Soft-second 0% prorated mortgage repayable only at sale or transfer of the property和SCHTF mortgage is considered satisfied after 10 years of continuous owner-occupancy with no triggering events. Will not be subordinated unless adequate equity covers the SCHTF assistance amount. 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。

Direct Homebuyer Assistance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 SCHTF-specific minimum; first-mortgage product credit-score minimums apply。 须参加购房者教育课程，由HUD-approved housing counseling agency: NeighborGood Partners (formerly NCALL), First State Community Action Agency, Interfaith Community Housing of Delaware, Neighborhood House. Minimum 8 hours of pre-purchase homeownership counseling and completion certificate required.提供。 居住要求：Property must be located within Sussex County, DE, and remain the household's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules。 Household income must be less than 120% of HUD AMI for Sussex County (range approximately $82,080 1-person to $154,800 8-person under current 2025 HUD limits). Liquid assets may not exceed $15,000 within 3 months of application. Buyer cannot own any other real property at application or settlement (other than current primary residence being sold concurrently). Funds may be used for closing/settlement costs only - no cash back at settlement. Property must be in Sussex County, DE, and remain the household's primary residence. Home Inspection required for existing homes; Certificate of Occupancy required for new construction. Buyer must complete at least 8 hours of HUD-approved pre-purchase homeownership counseling and submit completion certificate. Funds provided as a soft-second 0% prorated mortgage; SCHTF mortgage will not be subordinated unless adequate equity exists to cover the SCHTF assistance amount.

Direct Homebuyer Assistance将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income must be less than 120% of HUD AMI for Sussex County, DE. 2025 HUD income limits effective 4/1/25: <$81,960 (1-person), <$93,600 (2), <$105,360 (3), <$117,000 (4), <$126,360 (5), <$135,720 (6), <$145,080 (7), <$154,440 (8). 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。

Direct Homebuyer Assistance的房价上限如下：No published Sussex County maximum purchase price; subject to first-mortgage product limits and SCHTF affordability/feasibility review. 符合条件的房屋类型包括Single-family detached、Townhome、Duplex、Manufactured home on permanent foundation、Modular和New construction。 新建房屋符合条件。 预制房屋符合条件。

Direct Homebuyer Assistance服务于在Sussex县，Delaware购房的购房者。

Direct Homebuyer Assistance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HUD-approved housing counselor submits completed application and income verification to Sussex County CD&H; awarded first-come, first-served until annual funding round exhausted.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。