Central Baltimore Homebuying Incentive Program

Central Baltimore Homebuying Incentive Program是面向Baltimore，Maryland购房者的可免除贷款。 $10,000 deferred (non-forgivable, 0%) second mortgage for buyers in 7 Central Baltimore neighborhoods (Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, Remington). 100% AMI cap. FTHB and repeat buyers. Administered by Central Baltimore Partnership. $10,000 down payment / closing cost assistance for buyers purchasing in seven Central Baltimore neighborhoods: Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, and Remington. Structured as a 0% interest DEFERRED loan (NOT forgivable) - principal is due in full upon sale, transfer, refinance (cash-out), or non-owner-occupancy. No monthly payment. Income limit up to 100% of Central Baltimore neighborhood median income (~$73,600 1-person to $153,300+ family of four/larger. LendSquawk seed range $81,300 1-person to $153,300 8-person). Open to first-time AND repeat buyers. Buyer must contribute $1,000+ of own funds. Homeownership counseling certificate from city-approved agency required. Stacks with Baltimore City First-Time Homebuyers Incentive Program and Maryland Mortgage Program. Administered by Central Baltimore Partnership (CBP). funded by foundation/state/city sources targeted to revitalize Central Baltimore corridor. 资金来自Foundation、Local Government和State。

Central Baltimore Homebuying Incentive 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：Five-year forgivable loan ($10,000 East Harwood / $15,000 Midway). Prorated unforgiven balance due if owner-occupancy/primary-residence requirement is broken within the 5-year term; otherwise forgiven over 5 years. 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。

Central Baltimore Homebuying Incentive Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No CBP-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, Druid Heights CDC, Belair-Edison, Southeast CDC, GO Northwest).提供。 居住要求：Property must be located in one of the seven eligible Central Baltimore neighborhoods and serve as primary residence. 公民身份或移民身份：Per first-mortgage product rules. Property must be located in one of seven eligible Central Baltimore neighborhoods: Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, Remington. Owner-occupied primary residence. 100% Central Baltimore neighborhood median income cap. Buyer must complete homeownership counseling and obtain certificate from city-approved agency before making offer. $1,000 minimum buyer contribution. Repayment due in full on sale, transfer, refinance (cash-out), or non-owner-occupancy (NOT forgivable). Open to first-time and repeat buyers.

Central Baltimore Homebuying Incentive Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income at or below 100% of Central Baltimore neighborhoods' median income (~$73,600 individual / ~$105,100 family of four). LendSquawk seed range $81,300-$153,300 reflects scaled household-size limits up through 8-person. 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。

Central Baltimore Homebuying Incentive Program的房价上限如下：No CBP-published purchase-price ceiling; subject to first-mortgage lending limits. 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Central Baltimore Homebuying Incentive Program服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：TARGETED NEIGHBORHOODS: Eligible only for properties located in Barclay, Charles North, East Baltimore Midway, Greenmount West, Harwood, Old Goucher, or Remington (7 Central Baltimore corridor neighborhoods). Designed to spur revitalization in these specific areas.

Central Baltimore Homebuying Incentive 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 processed through Central Baltimore Partnership; pre-approval required before closing.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。