Baltimore Southwest Partnership Inc Down Payment Assistance Program

Baltimore Southwest Partnership Inc Down Payment Assistance Program是面向Baltimore，Maryland购房者的延期第二贷款。 Project-based DPA for SWP-rehabilitated homeownership zones in Pigtown, Mount Clare, and Franklin Square (Southwest Baltimore). $5K-$20K typical, 0% deferred forgivable, 5-year retention (project-specific affordability covenant longer). 80% AMI, FTHB. Layered with State DHCD / City / CDFI subsidies. Down payment / closing-cost assistance for buyers purchasing in the Southwest Partnership (SWP) footprint - the seven Southwest Baltimore neighborhoods of Barre Circle, Franklin Square, Hollins Roundhouse, Mount Clare, Pigtown, Poppleton, and Union Square. Project-based DPA layered into SWP-rehabilitated homeownership zones in Pigtown (adjacent to Carroll Park), Mount Clare (Union Square / Wilkens Avenue), and Franklin Square (Franklin Square Park / Route 40 corridor). Typical assistance ranges $5,000-$20,000 depending on project, layered with State DHCD subsidies, City of Baltimore subsidies (V2V, BRNI, etc.), and CDFI funding. Structured as 0% deferred forgivable second mortgage with 5-year retention (or longer affordability period for more heavily subsidized projects). 80% AMI cap (income range $62,600-$118,050 per LendSquawk seed). FTHB only (typically). Pairs with Maryland Mortgage Program first mortgage and other FHA/VA/USDA/conventional first mortgages. 资金来自Foundation、State、Local Government和CDFI。

Baltimore Southwest Partnership Inc Down Payment 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：Soft second、due on sale/transfer/cash-out refi/non-owner-occupancy. Forgiveness schedule project-specific (typically 5 years pro-rata和longer affordability covenant may apply on resale). 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。

Baltimore Southwest Partnership Inc Down Payment 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：Standard 3-year FTHB lookback (typical). 关于信用，该项目说明：No SWP-published minimum; first-mortgage lender's product minimums apply. 须参加购房者教育课程，由Baltimore City-approved homeownership counseling agencies (NHS of Baltimore, GO Northwest, Druid Heights CDC, etc.). SWP refers buyers to partner counselors.提供。 居住要求：Property must be in SWP footprint (7 neighborhoods) and serve as primary residence. 公民身份或移民身份：Per first-mortgage product rules. Property must be in Southwest Partnership footprint (Barre Circle, Franklin Square, Hollins Roundhouse, Mount Clare, Pigtown, Poppleton, or Union Square) - typically an SWP-rehabilitated home in one of the three SWP homeownership zones (Pigtown, Mount Clare, Franklin Square). First-time homebuyer (typical). 80% AMI household income cap. Owner-occupied primary residence. $1,000+ buyer contribution (typical). Pre-purchase counseling certificate from Baltimore City-approved agency. Property-level affordability covenant typically applies (5-year retention plus longer-term resale price restriction).

Baltimore Southwest Partnership Inc Down Payment Assistance Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income at or below 80% AMI for Baltimore HMFA (~$62,600 1-person to $118,050 8-person per seed; verify with SWP for current cycle). 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。

Baltimore Southwest Partnership Inc Down Payment Assistance Program的房价上限如下：Per project sale price; SWP-rehabilitated homes typically priced under $250K-$300K. 符合条件的房屋类型包括Single-family detached、Rowhouse和Townhome。 新建房屋符合条件。 预制房屋不符合条件。

Baltimore Southwest Partnership Inc Down Payment Assistance Program服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：TARGETED NEIGHBORHOODS: Southwest Partnership footprint - Barre Circle, Franklin Square, Hollins Roundhouse, Mount Clare, Pigtown, Poppleton, Union Square. Primary homeownership-zone activity in Pigtown, Mount Clare, and Franklin Square.

Baltimore Southwest Partnership Inc Down Payment 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Project-based; buyer applies for an SWP-rehabilitated home through SWP's homebuyer process. SWP coordinates DPA layering with state DHCD, city DHCD, and partner CDFI.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。