HOMEownership 80 Program

HOMEownership 80 Program是面向Wichita，Kansas购房者的可免除贷款，由City of Wichita Housing & Community Services Department管理。 The City of Wichita's HOMEownership 80 Program provides down payment and closing cost assistance to first-time homebuyers purchasing in the City's HOMEownership 80 Assistance Areas. The City is currently accepting applications only for newly constructed single-family homes built by its development partners. The assistance is a 0% interest deferred loan with no monthly payments, half forgiven after a retention period. Down payment and closing cost assistance. 0% interest. No monthly payments. Up to one-half of loan forgivable after retention period. 资金来自Federal HUD HOME Investment Partnerships Program。

HOMEownership 80 Program在10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 retention period ends (5 yrs if loan <$15,000; 10 yrs if >$15,000); one-half forgiven after。 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 80 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。 须参加购房者教育课程。 Assistance up to 20% of price plus $2,000 toward closing costs (capped at lender-required amount). Apply through a City HOME-funded development partner (Mennonite Housing, Residential Housing Solutions, Power CDC, Jakub's Ladder, Wichita Habitat, Hope CDC). Currently limited to newly constructed single-family homes in a HOMEownership 80 Assistance Area.

HOMEownership 80 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 within City's HOME 80 Federal Income Limits (<=80% AMI). 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 80 Program可用于Single-family。 新建房屋符合条件。

HOMEownership 80 Program服务于在Wichita，Kansas购房的购房者。

HOMEownership 80 Program的申请通过City of Wichita Housing & Community Services Department办理，该机构在其网站上公布现行条款和申请步骤。 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。