Homebound Downpayment Assistance Program

Homebound Downpayment Assistance Program是面向Hammond，Indiana购房者的可免除贷款。 Hammond Homebound DPA — up to $10,000 forgivable 2nd mortgage @ 5-year recapture, 0% interest. FTHB or no homeownership in past 12 months. Hammond city limits; <=80% AMI Lake County. Hammond Police/Fire/Educational/City employees receive automatic $10,000 award. City of Hammond Homebound DPA provides up to $10,000 in down-payment and closing-cost assistance, structured as a 0% interest 5-year forgivable second mortgage. Forgiveness is subject to recapture if the borrower sells, rents, transfers ownership, vacates, or otherwise stops using the home as primary residence within 5 years. Funds may be applied to existing or new-construction homes in Hammond. Hammond Police, Fire, Educational Professionals, and full-time employees of the City of Hammond, Hammond Water Works, Port Authority, Sanitary District, and Housing Authority receive a flat $10,000 award. 资金来自Federal、HOME、CDBG和City。

Homebound Downpayment 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：Forgivable over 5 years和full recapture if borrower moves/rents/transfers/vacates/deceased within 5 years。 该援助以2nd 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。

Homebound Downpayment 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：12-month look-back (not strict 3-year)。 关于信用，该项目说明：Per first-mortgage product overlays。 须参加购房者教育课程，由HUD-approved homebuyer education required (referral via Hammond Community Development Department).提供。 居住要求：Property must be located within Hammond city limits and used as primary residence for full 5-year forgiveness term。 公民身份或移民身份：Per first-mortgage product overlays。 First-time homebuyer or no homeownership in past 12 months. Property must be applicant's principal residence in Hammond city limits. Income at/below HUD 80% AMI Lake County, IN MSA (~$50,900-$96,000 by household size). Maximum sales price ~$228,000 (HOME-program safe-harbor cap). HUD-approved homebuyer education required. Subject to 5-year recapture if borrower moves, rents, transfers, vacates, or becomes deceased and home is no longer primary residence.

Homebound Downpayment 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 income at/below HUD 80% AMI for Lake County, IN MSA (range ~$50,900-$96,000 across household sizes per current HUD limits). 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。

Homebound Downpayment Assistance Program将房价上限设为$228,000。 符合条件的房屋类型包括Single-family detached (existing or new construction)。 新建房屋符合条件。 预制房屋不符合条件。

Homebound Downpayment Assistance Program在其服务群体中提到了教育工作者、执法人员和消防员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Homebound Downpayment Assistance Program服务于在Hammond，Indiana购房的购房者。

Homebound Downpayment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Direct application through Hammond Community Development Department; first-come first-served subject to fund availability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。