DreamMaker Home Purchase Assistance

DreamMaker Home Purchase Assistance是面向Savannah，Georgia购房者的延期第二贷款。 DreamMaker Home Purchase Assistance is the City of Savannah's primary first-time-homebuyer DPA. Administered by the Housing & Neighborhood Services Department, it provides 2% interest, 30-year deferred-payment second-mortgage loans for down payment, closing cost, and gap financing on a primary residence within Savannah city limits. Two assistance levels: up to $50,000 for housing developed in partnership with the City of Savannah (e.g., Savannah Gardens, City development partnerships) and up to $30,000 for other qualifying single-family housing in the City. Property must pass City Adopted Housing Code inspection. Buyer must complete homeownership counseling and contribute approximately $1,000 of own funds. Open to all qualifying first-time buyers (no employer restriction). Affordable second-mortgage loan for down payment, closing cost, and gap financing assistance. Two conditions: (1) up to $50,000, 2% interest, 30-year deferred-payment loan for housing developed in partnership with the City of Savannah. (2) up to $30,000, 2% interest, 30-year deferred-payment loan for all other housing within City of Savannah limits. Loan is repayable upon transfer of title (sale), refinance, or demise. No interest is charged while the loan is in good standing (deferred 30 years if buyer remains owner-occupant). 资金来自HUD HOME Investment Partnerships Program; CDBG; Federal (administered by City of Savannah HNSD)。

DreamMaker Home Purchase Assistance提供最高$7,500的援助。 购房者自付部分：Buyer generally needs to invest approximately $1,000 of own funds depending on program tier and lender requirements. 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。

DreamMaker Home Purchase Assistance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：Repayable upon sale (transfer of title), refinance, or demise of borrower. The loan is deferred for 30 years provided the purchaser resides in the property as their primary residence and the loan is not in default. No interest charged while loan is in good standing. 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。

DreamMaker 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 requirement; standard HUD definition (no homeownership in prior 3 years) generally applies. HUD-defined displaced homemaker and single-parent exceptions follow HOME rules. 关于信用，该项目说明：640+ FICO (per program tracking). 须参加购房者教育课程，由HUD-approved housing counseling agency homeownership education course required (City of Savannah maintains a list of approved counseling agencies; CHSA is a primary partner).提供。 居住要求：Property must be located within City of Savannah city limits. 公民身份或移民身份：U.S. citizen or qualified alien (HUD HOME requirement). First-time-homebuyer requirement; buyers must qualify for first mortgage on competitive terms; must invest approximately $1,000 of own funds depending on program/lender. Property must be located within City of Savannah city limits, cannot be occupied at application unless occupant is buyer or seller, and must pass City of Savannah Adopted Housing Codes inspection by HNSD Construction Specialist before commitment letter is issued. Pre-1978 homes cannot have defective paint at inspection. Required seller repairs must be completed and confirmed prior to commitment letter. Buyer must take homeownership course. Buyer must occupy as primary residence; cannot rent the home.

DreamMaker Home Purchase Assistance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% AMI for the Savannah, GA MSA / Chatham County (FY2025 HUD Section 8 limits, effective 6/1/2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. (Internal seed range $69,750-$131,565 reflected DCA Georgia Dream targeting and DreamMaker tier work-around; the binding HUD limit governs DreamMaker eligibility.). 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。

DreamMaker Home Purchase Assistance将房价上限设为$255,000。 符合条件的房屋类型包括Single-family residential property (new or existing) in good condition that complies with program requirements and the City of Savannah's Adopted Housing Codes. 新建房屋符合条件。

DreamMaker Home Purchase Assistance服务于在Savannah，Georgia购房的购房者。 该项目针对特定区域：City-designated Target Neighborhoods receive enhanced DreamMaker 2 assistance ($7,500 deferred). Savannah Gardens area receives enhanced DreamMaker 3 assistance ($40,000-$60,000) for housing developed in partnership with the City.

DreamMaker 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Buyer schedules appointment with HNSD or partner Community Housing Services Agency (CHSA) to determine basic eligibility. Lender or realtor coordinates with HNSD/CHSA. Funds reserved on first-come, first-served basis subject to 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。