CHAI Homebuyer Assistance Loan

CHAI Homebuyer Assistance Loan是面向Baltimore，Maryland购房者的延期第二贷款，由Comprehensive Housing Assistance, Inc. (CHAI)管理。 CHAI's Homebuyer Assistance Loan offers eligible first-time homebuyers up to $10,000 toward closing costs and buyers' fees in northwest Baltimore City. It is a zero-interest, 10-year deferred second mortgage with no payments for the first 5 years; at the start of the 6th year the loan re-amortizes and the borrower makes equal monthly payments for the remainder of the term. The loan is secured by a Deed of Trust, requires the property remain the primary residence, and may be combined with other assistance programs. Up to $10,000 for closing costs/buyers' fees. Zero interest throughout. No payments for first 5 years. Affordable equal monthly payments years 6-10. Funds available at closing. Combinable with other programs.

CHAI Homebuyer Assistance Loan提供最高$10,000的援助。 该项目可与Other assistance programs结合使用。 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Comprehensive Housing Assistance, Inc. (CHAI)决定。

CHAI Homebuyer Assistance Loan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：10-year term, 0% interest: no payments for first 5 years; loan re-amortizes at start of 6th year with equal monthly payments for the remaining term. Repayable if borrower refinances for cash-out or takes a HELOC during the term, or if the property ceases to be the primary residence. 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。

CHAI Homebuyer Assistance Loan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：Must not have owned a principal residence in the past three years。 关于信用，该项目说明：640 for at least one borrower。 须参加购房者教育课程，由Homebuyer education workshop plus one-on-one counseling with a HUD-approved housing counselor (prior to sales contract)提供。 [Unparsed numeric values moved to notes: max_liquid_assets: 20% of purchase price (excluding retirement accounts)] Funds cannot be used to meet the borrower's equity requirement; maximum down payment of 10%; borrower must maintain homeowners insurance listing CHAI as additional mortgagee; refinance cash-out or HELOC during term triggers payoff; apply through a licensed lender via CHAI's secure lender portal.

CHAI Homebuyer Assistance Loan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。 Total household income at or below 100% AMI based on household size; includes all income from individuals aged 18 or over. 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。

CHAI Homebuyer Assistance Loan将房价上限设为$499,650。 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋不符合条件。

CHAI Homebuyer Assistance Loan服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：Homes in the 21215 zip code including Cheswolde, Cross Country, Fallstaff, Glen, and Mount Washington。

CHAI Homebuyer Assistance Loan的申请通过Comprehensive Housing Assistance, Inc. (CHAI)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。