Direct Homeownership Assistance Program

Direct Homeownership Assistance Program是面向Baltimore，Maryland购房者的可免除贷款。 $5,000 forgivable second-mortgage bonus on top of the First-Time Homebuyers Incentive Program for buyers who are either (a) renters purchasing their current rental home of 6+ months OR (b) households with a member with a disability. 5-year forgivable, 0%, 80% AMI cap, FTHB-only, Baltimore City only. $5,000 in down payment and closing cost assistance for first-time homebuyers who EITHER (a) purchase the house they have rented and occupied for at least the past six months, OR (b) have a household member with a documented disability. Structured as a 5-year forgivable second mortgage at 0% interest, forgiven 20%/year over 5 years of continued owner-occupancy. Designed as a tenant-purchase / disability-accommodation incentive. Can ONLY be used in combination with the Baltimore City First-Time Homebuyers Incentive Program (FTHIP) - i.e., DHAP is a stack-on bonus to FTHIP, not a standalone incentive. Property must be Baltimore City. Buyer must contribute $1,000+ of own funds. Homebuyer counseling certificate required from city-approved agency (valid 12 months). 80% AMI household income cap. 资金来自Federal CDBG和Local Government。

Direct Homeownership Assistance Program提供最高$5,000的援助。 购房者自付部分：Buyer must contribute at least $1,000 of own funds. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Direct Homeownership 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：Forgiven 20%/year over 5 years of continuous owner-occupancy. Prorated unforgiven balance due on sale, transfer, cash-out refi, or non-owner-occupancy within 5 years. 该援助以3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。

Direct Homeownership 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 first-time-homebuyer requirement (no ownership of primary residence in past 3 years); displaced-homemaker / single-parent exceptions per HUD. 关于信用，该项目说明：No DHCD-published DHAP 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, St. Ambrose).提供。 居住要求：Property must be in Baltimore City corporate limits and serve as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules. MUST be combined with First-Time Homebuyers Incentive Program (FTHIP) - cannot be standalone. ELIGIBILITY (one of two): (a) buyer must have rented and occupied the subject property as their residence for at least 6 months prior to purchase, OR (b) household member must have a documented disability per applicable federal definition. First-time homebuyer (no primary residence ownership in past 3 years). 80% AMI household income cap. Owner-occupied primary residence. $1,000 minimum buyer contribution. Mortgage cannot exceed FHA loan limit ($731,400). Fixed-rate first mortgage only (no ARMs, balloons, cash, co-signers, owner-financing). Housing Quality Standard (HQS) inspection required. Counseling certificate (workshop + counseling session) from city-approved agency, valid 12 months. Must apply and be approved BEFORE closing - no retroactive funding.

Direct Homeownership Assistance Program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。 Household income at or below 80% Area Median Income (AMI) for Baltimore HMFA, by household size. Approximate 2026 limits: $68,450 (1-person) to $129,050 (8-person). Verify current at livebaltimore.com/annual-median-income-limits-for-baltimore-city. 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。

Direct Homeownership Assistance Program的房价上限如下：First-mortgage amount cannot exceed FHA loan limit for Baltimore MSA ($731,400 single-family in 2025/2026). 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Direct Homeownership Assistance Program在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Direct Homeownership Assistance Program服务于在Baltimore，Maryland购房的购房者。

Direct Homeownership 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Apply via Baltimore Applicant Portal (applicantportal.dhcd.baltimorecity.gov) along with FTHIP application. Approval required prior to 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。