Homeownership Assistance Program (Community Homebuyers Corporation)

Homeownership Assistance Program (Community Homebuyers Corporation)是面向South Bend，Indiana购房者的可免除贷款，由Community Homebuyers Corporation (CHC), in partnership with the City of South Bend管理。 Community Homebuyers Corporation, a nonprofit created by the City of South Bend and seven local financial institutions, helps first-time buyers purchase within South Bend city limits. Qualified buyers receive a CHC mortgage plus a federally funded grant structured as a forgivable second mortgage equal to 20% of the purchase price, forgiven ratably over five years. Income must be at/below 80% AMI, the purchase price cannot exceed $175,000, and buyers must have at least $2,000 in cash savings. Forgivable grant equal to 20% of purchase price. 0% second mortgage forgiven over 5 years. Affordable CHC first mortgage. Free HUD-certified counseling and post-purchase support. Serves South Bend first-time buyers. 资金来自Federal HOME funds provided to CHC by the City of South Bend; seven local financial institutions partner on the program.

Homeownership Assistance Program (Community Homebuyers Corporation)按项目规定，提供相当于房价20%的援助。 该项目要求购房者自付$2,000 minimum cash savings. 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Community Homebuyers Corporation (CHC), in partnership with the City of South Bend决定。

Homeownership Assistance Program (Community Homebuyers Corporation)在5年后免除，因此住满这段时间的购房者无需偿还。 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。

Homeownership Assistance Program (Community Homebuyers Corporation)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：Exceptions: owns a mobile home; displaced by legal situation; relocated to the area; not owned a home in 3 years; or foreclosure with extenuating circumstances. 关于信用，该项目说明：Determined via CHC mortgage application and HUD-approved counseling. 须参加购房者教育课程，由One-on-one HUD-approved pre-purchase counseling plus six post-purchase training sessions with the City of South Bend Housing Counseling Agency.提供。 居住要求：Owner-occupied single-family unit (condos eligible) within South Bend city limits. No signed purchase agreement at application; minimum $2,000 cash savings; pre-purchase counseling plus on-time payments and post-purchase sessions; live in home 5 years for full forgiveness; max price $175,000; CHC inspection required.

Homeownership Assistance Program (Community Homebuyers Corporation)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% of area median income adjusted for household size (CHC 2025 income eligibility chart). 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。

Homeownership Assistance Program (Community Homebuyers Corporation)将房价上限设为$175,000。 符合条件的房屋类型包括Single-family和Condominium。 预制房屋不符合条件。

Homeownership Assistance Program (Community Homebuyers Corporation)服务于在South Bend，Indiana购房的购房者。 该项目针对特定区域：Geographically limited to within the city limits of South Bend.

Homeownership Assistance Program (Community Homebuyers Corporation)的申请通过Community Homebuyers Corporation (CHC), in partnership with the City of South Bend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 to CHC (no signed purchase agreement allowed at application).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。