The Neighbor Project Closing the Gap Homeownership Grant

The Neighbor Project Closing the Gap Homeownership Grant是面向Aurora，Illinois购房者的补助金，由The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator)管理。 The Neighbor Project's Closing the Gap grant provides $3,000-$7,000 in down payment assistance for Black/African American and minority homebuyers in the Aurora, Illinois area, administered through the Community Foundation of the Fox River Valley. Grant amount scales with duration of one-on-one HUD-certified counseling. Designed to be bundled with FHLBank DPP and bank partner DPA for total ~$18,000-$24,000. TNP is a NeighborWorks chartered member and 2024 MacKenzie Scott awardee. Prerequisite: complete Homebuyer Education certificate through TNP's HUD-approved program. Grant — no repayment required. $3,000-$7,000 directly from TNP. Bundled DPA package up to $24,000 total. HUD-certified counseling included. NeighborWorks chartered member. Bilingual services available. 资金来自Community Foundation of the Fox River Valley — The Neighbor Project Closing the Gap Fund; private donations; Neighbor Project matching funds; MacKenzie Scott 2024 grant。

The Neighbor Project Closing the Gap Homeownership Grant提供$3,000至$7,000的援助，具体取决于购房者符合的援助档次。 援助档次：$3,000 for 3-9 months counseling; $5,000 for 9-18 months counseling; $7,000 for 18-36 months counseling with TNP counselor。 购房者自付部分：Breakthrough Rental program provides 12 months of affordable rent savings returned as down payment savings; counseling participation is key requirement。 该项目可与FHLBank Chicago DPP (up to $10,000); bank partner DPA/closing cost grants ($5,000-$7,000); Choose Aurora city DPA; 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The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator)决定。

The Neighbor Project Closing the Gap Homeownership Grant属于补助金，因此无需偿还。 触发还款的情形：Grant — no repayment required。 该援助以None (grant, no lien)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。

The Neighbor Project Closing the Gap Homeownership Grant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：Program targets renters working toward first homeownership。 关于信用，该项目说明：Credit improvement is part of TNP counseling process; no stated minimum to begin counseling. Lender requirements apply for first mortgage. 须参加购房者教育课程，由The Neighbor Project HUD-approved Housing Counseling and Education program (one-on-one with HUD-certified counselor); Homebuyer Education certificate required to access grant提供。 居住要求：Aurora, Illinois area (Kane County); program addresses Aurora community racial homeownership gap。 Must self-identify as Black/African American or minority homebuyer. Must complete Homebuyer Education certificate through The Neighbor Project HUD-approved program. Grant amount determined by length of counseling relationship. Successor org formed by merger of Joseph Corporation and Emmanuel House. Separate from Choose Aurora city DPA program.

The Neighbor Project Closing the Gap Homeownership Grant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。 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。

The Neighbor Project Closing the Gap Homeownership Grant的房价上限如下：Not stated; Aurora area market。 符合条件的房屋类型包括single-family、condominium和townhome。 新建房屋符合条件。 预制房屋不符合条件。

The Neighbor Project Closing the Gap Homeownership Grant服务于在Aurora，Illinois购房的购房者。 该项目针对特定区域：Aurora, Illinois (Kane County). Program specifically addresses the Black/White homeownership gap in Aurora.

The Neighbor Project Closing the Gap Homeownership Grant的申请通过The Neighbor Project (NeighborWorks chartered member, HUD-approved housing counseling agency) / Community Foundation of the Fox River Valley (fund administrator)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One-on-one counseling through The Neighbor Project HUD-approved Homebuyer Education program; grant identified and bundled during counseling process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。