Next Door Home Ownership Program

Next Door Home Ownership Program是面向Boston，Massachusetts购房者的延期第二贷款。 Madison Park Development Corporation's Next Door Home Ownership Program is a Roxbury-based homebuyer pipeline that provides down-payment assistance up to $100,000 for purchases in the City of Boston (or up to $50,000 outside Boston, $25,000 for deed-restricted units) to MPDC and Whittier Street residents who have lived in MPDC affordable housing for at least 3 years in good standing. Awards are zero-interest deferred loans distributed via application lottery. The program includes pre-purchase workshops, one-to-one counseling, and a Homebuyers Club for participants 6+ months from readiness. Pilot launched in 2018; nine households became homeowners in the first cohort. MPDC houses 3,000 residents in Roxbury, the South End, Dorchester, and Mattapan. Up to $100,000 in down-payment assistance for purchases within the City of Boston, or up to $50,000 outside the City of Boston, structured as 0% interest deferred loans. Deed-restricted units (any location) receive up to $25,000. Awarded via application lottery to MPDC and Whittier Street resident families with 3+ years of resident status in good standing. 资金来自Foundation、Local Government和Other。

Next Door Home Ownership Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due in full at sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. 该援助以2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。

Next Door Home Ownership 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：First-time buyer required (no ownership in past 3 years). 关于信用，该项目说明：Not formally published; first-lender underwriting standards apply (typically 620+ for conforming/FHA)。 须参加购房者教育课程，由Madison Park Development Corporation Homebuyers Club和HUD-approved/CHAPA-certified counseling agencies提供。 居住要求：Applicant must be an MPDC or Whittier Street resident for at least 3 years in good standing; purchase property used as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product。 Eligible applicants must be MPDC or Whittier Street residents in good standing for at least 3 years (no rental arrears or violations). First-time buyer required. Workshops required to assess readiness; one-to-one homebuyer counseling and mentorship through MPDC's Homebuyers Club; participation typically begins 6+ months before homeownership readiness. Awards distributed via lottery from a pool of qualifying applicants. Maximum $100,000 in Boston, $50,000 outside Boston, $25,000 for deed-restricted units. Funded by Madison Park CDC's CIP allocation, foundation grants, and partnership with city/state programs.

Next Door Home Ownership Program的收入限制如下：Income limits not publicly published; tied to first-mortgage product (typically 80%-135% AMI for Boston HMFA per ONE/ONE+ and Boston Home Center thresholds). 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。

Next Door Home Ownership Program的房价上限如下：Per MPDC and first-mortgage lender underwriting; aligns with MHP ONE+ caps and Boston Home Center limits. 符合条件的房屋类型包括Single-family detached、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Next Door Home Ownership Program服务于在Boston，Massachusetts购房的购房者。 该项目针对特定区域：MPDC and Whittier Street resident families; geographic preference for City of Boston (Roxbury/South End/Dorchester/Mattapan).

Next Door Home Ownership 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Application lottery; eligible MPDC/Whittier Street residents with 3+ years of resident status apply; selection by lottery.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。