Sweet Home Columbus

Sweet Home Columbus是面向Columbus，Georgia购房者的延期第二贷款。 Sweet Home Columbus is the HUD HOME-funded down-payment assistance program of the Community Reinvestment Department of the Columbus Consolidated Government. It provides zero-interest deferred-payment second-mortgage loans up to $49,999 to income-eligible homebuyers (at or below 80% AMI for the Columbus, GA-AL HUD Metro FMR Area) for the purchase of a primary residence in Muscogee County. The principal-residence/affordability period extends up to 15 years depending on the assistance amount. Buyers must complete an 8-hour HUD-approved housing counseling seminar with NeighborWorks Columbus, Urban League of Greater Columbus, or Habitat for Humanity within 12 months prior to purchase, and use a certified lending institution. Zero-percent-interest deferred-payment second-mortgage loan up to $49,999 for down payment on a primary residence in Muscogee County, Georgia. Entire amount must go toward the down payment - no cash back to buyer at closing. Loan is deferred (no monthly payments) and the property must remain the owner's principal residence for up to 15 years depending on the amount of assistance received. Closing costs are the responsibility of the seller or purchaser. 资金来自HUD HOME Investment Partnerships Program; Federal (administered by Community Reinvestment Department, Columbus Consolidated Government)。

Sweet Home Columbus提供最高$49,999的援助。 购房者自付部分：No published buyer contribution requirement; lender may impose its own minimum. 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。

Sweet Home Columbus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：Sale, refinance, transfer of title, or failure to occupy as principal residence during the affordability period (up to 15 years depending on amount of assistance) triggers repayment of the deferred loan balance per the recorded promissory note. After expiration of the principal-residence period, the lien is released. 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。

Sweet Home Columbus面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No published minimum credit score; lender underwriting requirements apply. 须参加购房者教育课程，由8-hour HUD-approved Housing Counseling Seminar with NeighborWorks Columbus (706-324-4663), Urban League of Greater Columbus (706-322-6840), or Habitat for Humanity (706-653-6003). Certificate of completion must be obtained within 12 months prior to purchase.提供。 居住要求：Property must be located within Muscogee County, Georgia (consolidated city-county of Columbus). Only fixed-rate first mortgages are approved. Buyer cannot receive any portion of DPA funds as cash back at closing. If borrower currently owns a home, it must be sold prior to applying (current home cannot be rented/leased). Buyer must continue to maintain the property. Income and household composition will be verified at time of application.

Sweet Home Columbus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 cannot exceed 80% AMI for Columbus, GA-AL HUD Metro FMR Area (effective April 1, 2025): 1p $43,150; 2p $49,300; 3p $55,450; 4p $61,600; 5p $66,550; 6p $71,500; 7p $76,400; 8p $81,350. 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。

Sweet Home Columbus的房价上限如下：Limited by HUD HOME Homeownership Value Limits for Columbus, GA-AL MSA (95% of median sales price); not separately published on program page. 符合条件的房屋类型包括Single-family residential property used as the buyer's principal residence. 新建房屋符合条件。

Sweet Home Columbus服务于在Columbus，Georgia购房的购房者。

Sweet Home Columbus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 completes 8-hour housing counseling seminar, then contacts a certified lending institution for first-mortgage pre-approval. Lender begins DPA approval process; CRD reviews and reserves funds.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。