CHAI Homebuyer Incentive Grant

CHAI Homebuyer Incentive Grant是面向Baltimore，Maryland购房者的可免除贷款，由Comprehensive Housing Assistance, Inc. (CHAI)管理。 CHAI's Homebuyer Incentive Grant is a $5,000 zero-interest forgivable loan for first-time homebuyers purchasing in the 21215 zip code or the northwest Baltimore neighborhoods of Cheswolde, Cross Country, Fallstaff, Glen, and Mount Washington. Funds are available at closing toward down payment and closing costs with no monthly payments, and the loan is fully forgiven after 5 years of owner-occupancy. It can be stacked with other city, state, or employer homebuyer programs. $5,000 toward down payment and closing costs. Zero interest. Forgiven after 5 years. No monthly payments. Funds available at closing. Stackable with other incentives.

CHAI Homebuyer Incentive Grant提供最高$5,000的援助。 该项目可与Other city, state, or employer homebuyer 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 Incentive Grant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：Forgiven after 5 years occupying the home as primary residence; no monthly payments。 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 Incentive Grant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 home in the past three years。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由Certified homebuyer education workshop plus one-on-one pre-purchase counseling with a HUD-certified housing counselor提供。 Contact a licensed lender to initiate application; complete a homebuyer workshop and one-on-one counseling with a HUD-certified housing counselor.

CHAI Homebuyer Incentive Grant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。 Total household income (including all adults 18+) must not exceed 80% of Area Median Income (AMI). 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 Incentive Grant将房价上限设为$499,650。 新建房屋不符合条件。

CHAI Homebuyer Incentive Grant服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：Homebuyers in the 21215 zip code or the neighborhoods of Cheswolde, Cross Country, Fallstaff, Glen, and Mount Washington (northwest Baltimore City)。

CHAI Homebuyer Incentive Grant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。