Gwinnett County Homestretch Program

Gwinnett County Homestretch Program是面向Gwinnett县，Georgia购房者的可免除贷款。 The Gwinnett County Homestretch Down Payment Assistance Program provides up to $10,000 in forgivable loan assistance to eligible first-time homebuyers purchasing a home in Gwinnett County. The loan carries 0% interest with no monthly payments; the principal is reduced by 20% each year beginning on the first anniversary of the security deed, and the lien is fully canceled after 5 years provided the home remains the buyer's primary residence. Assistance may be used for down payment, closing costs, prepaid items, HOA fees, and courier fees. The program is funded through federal HOME Investment Partnerships Program funds and administered by Gwinnett County Community Development. $10,000 forgivable loan at 0% interest — no monthly payments required. principal reduced by 20% annually, fully canceled after 5 years if home remains primary residence. may be used for down payment, closing costs, prepaid items, courier fees, and HOA fees. front-end DTI ≤43%, back-end DTI ≤55%. 8-hour HUD-approved homebuyer education required. borrower contribution of lesser of 1% of purchase price or $1,000. funded through federal HOME Investment Partnerships Program. compatible with FHA, VA, USDA, and Conventional loan products. 资金来自Local Government。

Gwinnett County Homestretch Program提供最高$10,000的援助。 购房者自付部分：Lesser of 1% of purchase price or $1,000 toward down payment or closing costs。 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。

Gwinnett County Homestretch Program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：Sale、Refinance、No Longer Primary和Transfer of Title。 该援助以2nd Lien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。

Gwinnett County Homestretch 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：No homeownership in past 3 years。 该项目列出的最低信用分数为640。 须参加购房者教育课程。 居住要求：County Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Low-to-moderate income buyers.

Gwinnett County Homestretch 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。 80% AMI. FY2025 limits: 1-person $63,980; 2-person $73,120; 3-person $82,240; 4-person $91,360; 5-person $98,680; 6-person $106,000; 7-person $113,320; 8-person $120,600. 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。

Gwinnett County Homestretch Program将房价上限设为$349,000。 符合条件的房屋类型包括Single Family、Townhouse和New Construction。 新建房屋符合条件。

Gwinnett County Homestretch Program服务于在Gwinnett县，Georgia购房的购房者。

Gwinnett County Homestretch 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。