Springfield Home Ownership Program (SHOP)

Springfield Home Ownership Program (SHOP)是面向Springfield，Illinois购房者的可免除贷款，由City of Springfield Office of Planning and Economic Development (OPED)管理。 Up to $35,000 in down payment/closing cost assistance. 0% interest deferred loan. Forgiven over 10 years of occupancy. Stackable with IHDA programs. 资金来自HOME Investment Partnerships Program。

Springfield Home Ownership Program (SHOP)提供$7,500至$35,000的援助，具体取决于购房者符合的援助档次。 购房者自付部分：Applicant must contribute a minimum of 1% of the purchase price from own funds。 该项目可与IHDA programs结合使用。 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City of Springfield Office of Planning and Economic Development (OPED)决定。

Springfield Home Ownership Program (SHOP)在10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：Sale, refinance, or transfer of property; failure to maintain owner-occupancy。 该援助以second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。

Springfield Home Ownership Program (SHOP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Must qualify for a primary mortgage。 须参加购房者教育课程，由HUD-approved housing counseling agency提供。 居住要求：Must purchase within Springfield city limits。 Must be first-time homebuyer (no homeownership in past 3 years). Home must be within Springfield, IL city limits. Income limits effective June 1, 2025. [orig: assistance_amount: $7,500–$35,000; dpa_interest_rate: 0%].

Springfield Home Ownership Program (SHOP)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% of HUD Area Median Income. As of June 1, 2025: 1-person $67,000; 2-person $76,500; 3-person $86,050; 4-person $95,550; 5-person $103,250; 6-person $110,900; 7-person $118,550; 8-person $126,300. 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。

Springfield Home Ownership Program (SHOP)的房价上限如下：Home must be within Springfield city limits; standard HOME purchase price limits apply。 新建房屋符合条件。 预制房屋不符合条件。

Springfield Home Ownership Program (SHOP)服务于在Springfield，Illinois购房的购房者。

Springfield Home Ownership Program (SHOP)的申请通过City of Springfield Office of Planning and Economic Development (OPED)办理，该机构在其网站上公布现行条款和申请步骤。 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。