City of Evansville HOME Homebuyer Program

City of Evansville HOME Homebuyer Program是面向Evansville，Indiana购房者的可免除贷款，由City of Evansville Department of Metropolitan Development (DMD)管理。 The City of Evansville, through its Department of Metropolitan Development, administers a HUD HOME-funded Homebuyer Program offering 0% non-interest-bearing forgivable loans for down payment, closing costs, and principal reduction to first-time buyers at or below 80% AMI buying within city limits. Assistance is delivered through CHDO/subrecipient partners, with affordability periods of 5, 10, or 15 years tiered by the amount of HOME assistance. Recapture is from net proceeds only. 0% forgivable HOME loan. Down payment, closing cost, and principal reduction. Tiered 5/10/15-year forgiveness. Recapture only from net proceeds. Subordination/refinance allowed with DMD approval. 资金来自HUD HOME Investment Partnerships Program。

City of Evansville HOME Homebuyer Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Recapture of forgivable mortgage balance if sold or no longer primary residence during affordability period; repaid from net proceeds only。 该援助以Subordinate (DMD mortgage / deed restriction)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。

City of Evansville HOME 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 required for down payment assistance; no down payment/closing assistance to those owning other real estate。 关于信用，该项目说明：Must qualify for standard fixed-rate financing。 须参加购房者教育课程，由Housing counseling/homebuyer education by an approved partner agency提供。 居住要求：Principal residence throughout affordability period; annual monitoring。 This is the City of Evansville DMD umbrella HOME homebuyer program - DISTINCT from the catalog's 'HOPE of Evansville Homebuyer DPA' and 'CAPE of Evansville DPA', which are the CHDO subrecipients that deliver it. Max assistance amount inferred from the recapture tier table (over-$40k tier exists); exact program cap not stated as a single number - left max blank. Provider direct phone/email not on the guidelines PDF.

City of Evansville HOME 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 may not exceed 80% AMI (Evansville, IN MSA / Vanderburgh County); verified for all members over 18. 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。

City of Evansville HOME Homebuyer Program的房价上限如下：Modest housing - may not exceed 95% of area median purchase price (HUD-verified; ~$219,000 existing / ~$319,000 new construction per Jan 2026 DMD figures)。 符合条件的房屋类型包括single-family (up to 4 units, with longer affordability)、condominium和cooperative。 新建房屋符合条件。

City of Evansville HOME Homebuyer Program服务于在Evansville，Indiana购房的购房者。

City of Evansville HOME Homebuyer Program的申请通过City of Evansville Department of Metropolitan Development (DMD)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Administered through CHDOs/subrecipients (e.g., HOPE of Evansville, CAPE of Evansville)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。