City of New Albany Homeownership Assistance Program

City of New Albany Homeownership Assistance Program是面向New Albany，Indiana购房者的可免除贷款，由New Albany Department of Redevelopment / New Albany Redevelopment Commission (NARC)管理。 The City of New Albany Homeownership Assistance Program provides up to $10,000 in financial assistance to eligible first-time homebuyers for down payment, closing costs, and home inspection toward the purchase of a single-family home within New Albany city limits. The assistance is a zero-interest forgivable loan secured by a restrictive covenant lien that forgives 20% per year and is fully forgiven after five years of owner-occupancy. Funds are wired to the title company before closing. Applications are accepted first-come, first-served on a rolling basis. Up to $10,000 toward down payment, closing costs, and inspection. Zero-interest forgivable loan. Forgiven over 5 years (20% per year). 50% reimbursement of home inspection cost. Funds wired to title company before closing. 资金来自New Albany Redevelopment Commission (local redevelopment / TIF funds via GROWTH initiative)。

City of New Albany Homeownership Assistance Program提供最高$10,000的援助。 购房者自付部分：Not specified。 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New Albany Department of Redevelopment / New Albany Redevelopment Commission (NARC)决定。

City of New Albany Homeownership 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：Prorated repayment if home sold before end of 5-year period; full repayment within 30 days (plus 3% annual interest from closing) if buyer fails to occupy as primary residence within 90 days of closing or fails to maintain primary residence for 5 years. 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。

City of New Albany Homeownership 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。 “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：Not specified; lender pre-qualification required。 须参加购房者教育课程，由New Albany Housing Authority HUD-Certified Housing Counseling Program (Family Self-Sufficiency / FSS); must be completed within the past six months.提供。 居住要求：Applicant must already be a current resident living within New Albany city limits at time of application. First-time homebuyer required. Must be a current New Albany city resident. Must complete New Albany Housing Authority HUD-certified housing counseling within the past 6 months. Applicant cannot be related to any current City of New Albany employee. Must occupy home as primary residence within 90 days of closing and maintain for 5 years. Application via Neighborly Software portal; request from Grant Manager Keeton Gibson (ext. 151). A Dec 2024 news report cited ~$160,000 initial funding (~16 buyers); cap not confirmed in official docs.

City of New Albany Homeownership 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 must not exceed 120% of Area Median Income (AMI) per HUD. Published FY25 limits: 1-person $81,150; 2 $92,750; 3 $104,350; 4 $115,900; 5 $125,200; 6 $134,450; 7 $143,750; 8 $153,000. Income verified using Part 5 (Section 8) Income and Asset guidelines. 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。

City of New Albany Homeownership Assistance Program的房价上限如下：Not specified。 符合条件的房屋类型包括Single Family。

City of New Albany Homeownership Assistance Program服务于在New Albany，Indiana购房的购房者。

City of New Albany Homeownership Assistance Program的申请通过New Albany Department of Redevelopment / New Albany Redevelopment Commission (NARC)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Neighborly Software online application portal; first-come, first-served rolling basis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。