NeighborWorks Columbus DPA

NeighborWorks Columbus DPA是面向Columbus，Georgia购房者的可免除贷款。 NeighborWorks Columbus offers multiple down payment and closing cost assistance programs for homebuyers in a 4-county area (Chattahoochee, Harris, Marion, and Muscogee counties). The First-Time Homebuyer Product provides up to $17,500; the Community Partner Product offers up to $20,000 for law enforcement, educators, healthcare workers, firefighters, first responders, veterans, and essential workers; and the Hallock Soldiers Fund provides up to $5,000 forgivable assistance for military veterans. Minimum $1,000 borrower contribution required. Administered by NeighborWorks Columbus, a HUD-certified housing counseling agency and CDFI. Multiple DPA programs for homebuyers in Chattahoochee, Harris, Marion, and Muscogee counties. First-Time Homebuyer Product provides up to $17,500 for down payment and closing costs (at or below 80% AMI). Community Partner Product offers up to $20,000 for essential workers including law enforcement, educators, healthcare workers, firefighters, first responders, and veterans. Hallock Soldiers Fund provides up to $5,000 deferred subordinate mortgage for active duty or former military members. Minimum $1,000 borrower contribution required with zero cash back at closing. HUD-certified counseling and pre-purchase financial literacy required. 资金来自Nonprofit。

NeighborWorks Columbus DPA提供$5,000至$20,000的援助，具体取决于购房者符合的援助档次。 该项目要求购房者自付$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。

NeighborWorks Columbus DPA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、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。

NeighborWorks Columbus DPA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：Not owned principal residence in past 3 years (Community Partner Product available to repeat buyers)。 关于信用，该项目说明：Must meet primary lender's credit requirements。 须参加购房者教育课程。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Pre-purchase financial literacy counseling required through NeighborWorks Columbus (HUD-certified); Minimum $1,000 personal funds required with zero cash back at closing; Community Partner Product available to essential workers (law enforcement, educators, healthcare, firefighters, veterans) without FTHB requirement; Hallock Soldiers Fund for military veterans/active duty with 5-year owner-occupancy forgiveness requirement.

NeighborWorks Columbus DPA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。 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。

NeighborWorks Columbus DPA可用于Single Family、Condo、Townhouse和New Construction。 新建房屋符合条件。

NeighborWorks Columbus DPA服务于在Columbus，Georgia购房的购房者。

NeighborWorks Columbus DPA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。