HOMEbuyer Program

HOMEbuyer Program是面向Madison县，Illinois购房者的可免除贷款。 The Madison County HOMEbuyer Program, administered by Madison County Community Development (MCCD), provides up to $5,000 of down payment and closing-cost assistance to low- and moderate-income first-time homebuyers purchasing single-family housing in Madison County, IL (excluding the City of Alton). Funded through HUD HOME, the assistance is structured as a 0%-interest 5-year forgivable second-mortgage loan. The program's primary objective is to increase homeownership rates - particularly among lower-income and minority households - and to revitalize and stabilize Madison County communities. Up to $5,000 in down payment and closing-cost assistance, structured as a 0%-interest 5-year forgivable second-mortgage loan, for low- to moderate-income first-time homebuyers purchasing single-family housing within Madison County, IL (excluding the City of Alton, which administers its own program). Forgiveness pro-rated over the 5-year term. 资金来自Federal HOME和Local Government。

HOMEbuyer Program提供最高$15,000的援助。 购房者自付部分：No published Madison-County-specific minimum buyer contribution; lender first-mortgage product rules apply。 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。

HOMEbuyer 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：5-year forgiveness period. If property is sold, transferred, refinanced (cash-out), or no longer the borrower's primary residence within 5 years, the unforgiven balance becomes due. 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 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; displaced-by-life-event (death/divorce/etc.) exception applies. 关于信用，该项目说明：620 (program customary threshold; 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 required.提供。 居住要求：Property must be located within Madison County, IL, outside the City of Alton (which administers its own program), 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。 Applicant must be a low- to moderate-income first-time homebuyer (not owned a home in past 3 years, or owned with someone else and displaced by life-changing event such as death/divorce). Household income at or below 80% HUD AMI for the St. Louis HMFA, Madison County portion (approximate range $47,550 1-person to $89,650 8-person under 2025 HUD limits). Property must be a single-family home in Madison County, IL (outside the City of Alton, which has its own program), and serve as the buyer's primary residence. HUD-approved homebuyer counseling required. HOME funds may be used for down payment and closing costs (appraisal, credit report, inspection fees, counseling fees, settlement/title fees, underwriting/processing). 620 minimum FICO is the program's customary first-mortgage threshold.

HOMEbuyer 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 at or below 80% HUD AMI for the St. Louis, MO-IL HMFA (Madison County portion). 2025 approximate range: $47,550 (1-person) to $89,650 (8-person). 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 Program将房价上限设为$329,000。 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 Program服务于在Madison县，Illinois购房的购房者。

HOMEbuyer 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Application processed only through participating program lenders; awarded first-come, first-served 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。