City of Lake Charles Down Payment and Closing Cost Assistance Program

City of Lake Charles Down Payment and Closing Cost Assistance Program是面向Lake Charles，Louisiana购房者的可免除贷款，由City of Lake Charles Community Development Department管理。 The City of Lake Charles Community Development Department provides Down Payment and Closing Cost Assistance to low- and moderate-income, first-time homebuyers purchasing a single-family home within the city limits. Assistance of up to $10,000 is a 0%-interest forgivable second mortgage that depreciates equally over a 5-year term and is fully forgiven if the buyer occupies the home as their primary residence for 5 years. Funds are CDBG monies on a first-come, first-served basis. Up to $10,000 toward down payment and closing costs. 0% interest forgivable second mortgage. Fully forgiven after 5 years of owner-occupancy. No monthly payments. 资金来自Community Development Block Grant (CDBG); funded within the City's annual CDBG/HOME allocation (FY2024-2025 Annual Action Plan).

City of Lake Charles Down Payment and Closing Cost Assistance Program提供最高$10,000的援助。 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City of Lake Charles Community Development Department决定。

City of Lake Charles Down Payment and Closing Cost 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 second mortgage depreciates equally each year over 5 years and is fully forgiven at the end of year 5. Sale, refinance, or loss of owner-occupancy before year 5 triggers pro-rated repayment of the unforgiven balance. 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 Lake Charles Down Payment and Closing Cost 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：Per HUD: not owned a home during the 3 years preceding the assisted purchase; displaced homemakers not excluded. 须参加购房者教育课程，由Approved homebuyer education program (certificate required); locally provided through the Calcasieu Parish Police Jury.提供。 Confirmed current/funded via the live division page and the FY2024-2025 Annual Action Plan (combined CDBG/HOME). Amendment II reallocated $25,000 from DPA to rehab but the program remains an active funded line. Core terms (forgivable 2nd, 0%, 5-yr, $10,000 max, <=80% AMI, 35% housing ratio, single-family within city limits) from the official services page; the official income-table PDF could not be opened directly (CMS blocked).

City of Lake Charles Down Payment and Closing Cost 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。 Gross household income at or below 80% AMI (HUD MSA income figures for Lake Charles dated March 2024); reported 4-person 80% AMI limit $63,200. Counts all household members. 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 Lake Charles Down Payment and Closing Cost Assistance Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

City of Lake Charles Down Payment and Closing Cost Assistance Program服务于在Lake Charles，Louisiana购房的购房者。

City of Lake Charles Down Payment and Closing Cost Assistance Program的申请通过City of Lake Charles Community Development 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。