Purchase Assistance Program

Purchase Assistance Program是面向Chicago，Illinois购房者的补助金。 NHS Chicago's Purchase Assistance Program is an umbrella for several down-payment and closing-cost grant streams totaling up to $30,000 per buyer, available when financing a 1-4 unit Chicago primary residence through Neighborhood Lending Services (NLS), NHS's CDFI lending arm. Sub-programs include the standard NLS DPA, MMRP Purchase Assistance Grants (Micro-Market Recovery Program areas), TIF Purchase-Rehab grants, CHA Choose to Own assistance, and FHLBank Chicago Downpayment Plus (DPP) funds. Buyers must complete NHS HUD-approved homebuyer education. Up to $30,000 in down payment and closing-cost grant assistance when purchasing a 1-4 unit primary residence in the City of Chicago and financing through Neighborhood Lending Services (NLS), the lending arm of NHS Chicago. Grant is non-repayable as long as borrower satisfies any short owner-occupancy requirement attached to the funding stream. Multiple sub-programs (NLS DPA, CHA Choose to Own, TIF Purchase-Rehab, MMRP, FHLBank Chicago DPP) are aggregated under the Purchase Assistance umbrella. final grant amount and eligibility depend on funding source and AMI tier. 资金来自Nonprofit、CDFI、Federal、HOME、CDBG、FHLB和TIF。

Purchase Assistance Program属于补助金，因此无需偿还。 触发还款的情形：Grant - generally non-repayable once funded和some sub-programs (e.g., FHLBank DPP) carry a 5-year retention period during which a prorated recapture applies if home is sold, refinanced, or non-occupied。 该援助以Grant (no lien) for most products; some FHLBank DPP grants recorded as soft second with retention period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。

Purchase Assistance Program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：Typically 640 FICO via NLS first-mortgage product。 须参加购房者教育课程，由NHS Chicago HUD-certified homebuyer education and one-on-one housing counseling (required prior to grant award).提供。 居住要求：Property must be within the City of Chicago and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualifying non-citizen with eligible immigration status。 Buyer must complete NHS Chicago HUD-approved homebuyer education and one-on-one housing counseling. Property must be 1-4 unit primary residence in the City of Chicago (some sub-programs limited to specific neighborhoods such as MMRP areas or TIF districts). Must finance with NLS for most grant streams. Household income up to 120% Chicago AMI. Borrower must contribute $1,000 or 1% of purchase price toward transaction. Minimum 640 FICO typical. Verify current grant availability via NHS Grants Portal as some sub-programs (e.g., MMRP) may temporarily close to applications.

Purchase Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income up to 120% of Chicago-Naperville-Elgin MSA AMI; seed range $67,150-$213,000 spans across NHS sub-programs and household sizes. 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。

Purchase Assistance Program的房价上限如下：Per NLS first-mortgage product limits and HUD HOME/CDBG limits where applicable。 符合条件的房屋类型包括1-4 unit residential primary residence (single-family, duplex, triplex, fourplex), condominium, townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Purchase Assistance Program服务于在Chicago，Illinois购房的购房者。 该项目针对特定区域：MMRP (Micro-Market Recovery Program) neighborhoods and TIF districts receive higher grant tiers; see NHS Grants Portal for current target-area maps.

Purchase 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Application via NHS Grants Portal (nhschicago.org/grantsportal) following NHS housing counseling intake; grants subject to availability per sub-program funding stream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。