Homebuyer Assistance Program

Homebuyer Assistance Program是面向St. Clair县，Illinois购房者的可免除贷款。 The St. Clair County Homebuyer Assistance Program, administered by the St. Clair County Intergovernmental Grants Department (Community Development Group), provides down payment and closing-cost assistance to income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis. Funded through CDBG and HUD HOME, the assistance is structured as a forgivable second-mortgage loan with a HUD HOME affordability period. Detailed program PDF / guidelines are not published online; applicants should contact the county directly for current 2026 specifications. Down payment and closing-cost assistance (approximately $4,000 per published third-party listings) for income-eligible homebuyers purchasing a primary residence within St. Clair County, IL outside the City of East St. Louis (which has its own program). Funded through CDBG/HOME and structured as a forgivable second-mortgage loan with a multi-year affordability period. 资金来自Federal HOME、Federal CDBG和Local Government。

Homebuyer Assistance 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：Forgivable second-mortgage with HUD HOME affordability period (typically 5 years for assistance under $15,000)和pro-rata recapture of unforgiven balance on sale, transfer, cash-out refinance, or loss of owner-occupancy during affordability period. 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。

Homebuyer Assistance 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：First-time homebuyer = no homeownership in prior 3 years; standard HUD displaced-homemaker / single-parent exceptions apply. 关于信用，该项目说明：No published St. Clair County-specific minimum; first-mortgage product credit-score minimums apply。 须参加购房者教育课程，由HUD-approved housing counseling agency; pre-purchase homebuyer education recommended.提供。 居住要求：Property must be located within St. Clair County, IL outside the City of East St. Louis, and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules。 St. Clair County does not currently publish a comprehensive program PDF / guidelines on its website (PDF fields blank as of April 2026). Verified active as a recurring CDBG/HOME-funded line item in the Intergovernmental Grants Department's Community Development Group portfolio per the county's Community Development page and third-party DPA aggregator listings (~$4,000 assistance amount). Applicants should contact the county directly at 618-825-3218 (Christina Anderson) or 618-825-3226 to obtain current 2026 guidelines, income limits, purchase price limits, and application package. Property must be located within St. Clair County, IL (outside the City of East St. Louis, which administers its own program) and be the buyer's primary residence. HOME affordability period (typically 5 years for assistance under $15,000) and HUD HOME recapture rules apply. Income-qualified at or below 80% HUD AMI for the St. Louis HMFA (St. Clair County portion).

Homebuyer Assistance 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。 Household income expected at or below 80% HUD AMI for the St. Louis, MO-IL HMFA (St. Clair County portion); contact county directly for current 2026 income table. 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。

Homebuyer Assistance Program的房价上限如下：No published St. Clair County-specific maximum purchase price; contact county for current guidelines. 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Homebuyer Assistance Program服务于在St. Clair县，Illinois购房的购房者。

Homebuyer Assistance 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Buyer/lender contacts St. Clair County Intergovernmental Grants Department (Community Development Group) for application package; awarded first-come, first-served 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。