City of Savannah Employee Home Purchase Assistance

City of Savannah Employee Home Purchase Assistance是面向Savannah，Georgia购房者的可免除贷款。 The City of Savannah Employee Home Purchase Assistance Program is a 0% interest, 5-year forgivable second-lien loan of up to $15,000 administered by the City of Savannah Housing & Neighborhood Services Department for the purpose of helping qualified City of Savannah employees (below the level of department head, in good standing) purchase their first home within the city limits. The forgiven amount is reported as W-2 income to the employee. The loan can be combined with DreamMaker DPA funds if the buyer is also DreamMaker-eligible. Property must pass private inspection and a City Construction Specialist inspection prior to commitment letter. Pre-1978 homes cannot have defective paint. Up to $15,000, 0% interest, forgivable loan toward down payment and closing costs. Loan is forgiven and not repaid if the buyer continues to work for the City of Savannah and continues to be the owner-occupant of the house for 5 years from the date of the loan. The forgiven amount is reported as income on the employee's annual W-2. 资金来自City of Savannah General Fund (employer-paid benefit) administered through HOME/CDBG framework。

City of Savannah Employee Home Purchase Assistance提供最高$15,000的援助。 购房者自付部分：No published minimum buyer contribution; combination with DreamMaker may impose $1,000. 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。

City of Savannah Employee Home Purchase Assistance在5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：Within the 5-year affordability period: cessation of City employment, sale or transfer of title, refinance with cash-out, or failure to occupy as primary residence triggers repayment of the unforgiven balance. Loan is fully forgiven on the 5th anniversary if the buyer remains a City employee and the owner-occupant. 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。

City of Savannah Employee Home Purchase Assistance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：First-time homebuyer required (consistent with DreamMaker family of programs); applicant must not own other residential property. 关于信用，该项目说明：640+ FICO required (per program tracking). 须参加购房者教育课程，由Homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network).提供。 居住要求：Property must be located within City of Savannah city limits. Restricted to employees of the City of Savannah who are below the level of department head. Employee must be in good standing and without recent disciplinary actions at time of purchase. Property must be located within the City of Savannah city limits and cannot be occupied at time of application unless occupant is buyer or seller. Pre-1978 homes cannot have defective paint at inspection. Private inspection required; City of Savannah Construction Specialist inspection required prior to issuance of funding commitment letter; required repairs must be completed by seller and confirmed by City staff before commitment letter issued. Forgiven amount is reported as income on annual W-2. Assistance can be used in combination with DreamMaker assistance if buyer is also DreamMaker-eligible. Buyer must qualify for first-mortgage financing on competitive terms. RESTRICTED EMPLOYER: only City of Savannah employees may apply.

City of Savannah Employee Home Purchase Assistance的收入限制如下：No published household income limit; eligibility is restricted to City of Savannah employees below department head level. 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。

City of Savannah Employee Home Purchase Assistance的房价上限如下：No published maximum purchase price; property must be located within City of Savannah limits and meet program standards. 符合条件的房屋类型包括New and existing single-family houses in good condition that comply with program requirements和property must be located within Savannah city limits. 新建房屋符合条件。

City of Savannah Employee Home Purchase Assistance服务于在Savannah，Georgia购房的购房者。

City of Savannah Employee Home Purchase 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Employee contacts HNSD at (912) 651-6926 or employeedownpayment@savannahga.gov to schedule appointment, then completes application with HNSD before contracting; ongoing year-round subject to fund availability.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。