Bloomington Down Payment & Closing Cost Assistance Program

Bloomington Down Payment & Closing Cost Assistance Program是面向Bloomington，Indiana购房者的可免除贷款，由City of Bloomington Housing and Neighborhood Development (HAND)管理。 HAND's Down Payment and Closing Cost Assistance program provides up to $10,000 to eligible first-time homebuyers in the City of Bloomington as a forgivable second mortgage. The lien forgives at 20% per year and is fully forgiven after 5 years of owner-occupancy. Applicants must complete the HAND Homebuyers Club class and be at or below 80% AMI. Up to $10,000 toward down payment and closing costs. Forgivable 0% second mortgage. Forgives 20% per year over 5 years. No prepayment penalty. 资金来自HUD HOME / CDBG (federal entitlement funds)。

Bloomington Down Payment & Closing Cost Assistance Program提供最高$10,000的援助。 购房者自付部分：Not published。 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 Bloomington Housing and Neighborhood Development (HAND)决定。

Bloomington Down Payment & Closing Cost 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：Sale or loss of owner-occupancy before 5 years; forgives 20% per year。 该援助以Second (subordinate) mortgage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。

Bloomington Down Payment & Closing Cost 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：Counts as first-time if not owned any real estate for more than 3 years。 关于信用，该项目说明：Not published; must qualify for an affordable first mortgage。 须参加购房者教育课程，由City of Bloomington HAND Homebuyers Club class提供。 居住要求：Must owner-occupy assisted property。 Distinct from Bloomington's Shared Equity Homeownership Program (already in catalog). Must complete Homebuyers Club class. Min credit score, max purchase price, and min contribution not published on the official page; the linked guidelines PDF returned no machine-readable text - left blank intentionally.

Bloomington Down Payment & Closing Cost 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 at or below 80% AMI; 4-person limit $86,700 (1-person $60,700 up to 8-person $114,450). Income guidelines subject to change. 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。

Bloomington Down Payment & Closing Cost Assistance Program的房价上限如下：Not published in program page。 符合条件的房屋类型包括single-family。

Bloomington Down Payment & Closing Cost Assistance Program服务于在Bloomington，Indiana购房的购房者。

Bloomington Down Payment & Closing Cost Assistance Program的申请通过City of Bloomington Housing and Neighborhood Development (HAND)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 Neighborly Software portal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。