St. Joseph's/Candler Team Member Home Purchase Assistance

St. Joseph's/Candler Team Member Home Purchase Assistance是面向Savannah，Georgia购房者的可免除贷款。 The St. Joseph's/Candler Team Member Home Purchase Assistance Program is a 0% interest, 5-year forgivable second-lien loan of $7,500 administered by the City of Savannah Housing & Neighborhood Services Department in partnership with St. Joseph's/Candler health system. Restricted to SJ/C team members at or below Team Leader level, in good standing, who are first-time homebuyers purchasing within Savannah city limits. The loan is forgiven if the buyer remains an SJ/C employee and an owner-occupant for 5 years. Stackable with DreamMaker funds. Property must pass private inspection and City Construction Specialist inspection. $7,500, 0% interest, forgivable loan toward down payment and closing costs. Loan is forgiven and not repaid if the buyer continues to work for the employer (St. Joseph's/Candler health system) and continues to be the owner-occupant of the house for 5 years from the date of the loan. 资金来自St. Joseph's/Candler health system employer-paid benefit administered through City of Savannah HNSD。

St. Joseph's/Candler Team Member Home Purchase Assistance提供最高$7,500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。

St. Joseph's/Candler Team Member 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 St. Joseph's/Candler 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 an SJ/C team member 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。

St. Joseph's/Candler Team Member 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). 关于信用，该项目说明：No published minimum FICO; lender underwriting required (St. Joseph's/Candler team-member benefit). 须参加购房者教育课程，由HUD-approved 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 EMPLOYER: only St. Joseph's/Candler health-system team members (employees) may apply. Buyer must be at or below Team Leader level and in good standing without recent disciplinary actions at time of purchase. Household income restrictions apply. Property must be located within 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. Assistance can be used in combination with DreamMaker assistance if buyer is also DreamMaker-eligible.

St. Joseph's/Candler Team Member 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 restrictions apply per City of Savannah HOME-program standards (80% AMI for Savannah MSA, FY2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. 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。

St. Joseph's/Candler Team Member Home Purchase Assistance的房价上限如下：Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. 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。

St. Joseph's/Candler Team Member Home Purchase Assistance在其服务群体中提到了医护人员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

St. Joseph's/Candler Team Member Home Purchase Assistance服务于在Savannah，Georgia购房的购房者。

St. Joseph's/Candler Team Member 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Team member contacts HNSD at (912) 651-2169 or employeedownpayment@savannahga.gov to schedule appointment, then completes application; 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。