Down Payment & Closing Cost Assistance - City of Hagerstown

Down Payment & Closing Cost Assistance - City of Hagerstown是面向Hagerstown，Maryland购房者的延期第二贷款。 The Hagerstown Home Store administers the City of Hagerstown's down-payment and closing-cost assistance program, providing up to $10,000 in forgivable second-mortgage assistance to income-qualified first-time homebuyers in Hagerstown. The Hagerstown Home Store is a HUD-approved housing counseling agency serving Washington County, MD. Funded through HUD HOME and CDBG pass-through allocations. Down-payment and closing-cost assistance of up to $10,000 as a 0% interest deferred-payment / forgivable second mortgage for income-qualified first-time homebuyers purchasing primary residences within the City of Hagerstown. Administered by the Hagerstown Home Store on behalf of the City. 资金来自HOME、CDBG、Federal和Local Government。

Down Payment & Closing Cost Assistance - City of Hagerstown提供最高$7,500的援助。 购房者自付部分：Per first-mortgage program。 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。

Down Payment & Closing Cost Assistance - City of Hagerstown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：Forgivable over 5 years of owner-occupancy和due in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 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。

Down Payment & Closing Cost Assistance - City of Hagerstown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：Underwriting follows the buyer's first-mortgage product。 须参加购房者教育课程，由Hagerstown Home Store - HUD-approved housing counseling; 8-hour homebuyer-education certificate required.提供。 居住要求：Property within the City of Hagerstown; buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by HUD HOME / CDBG rules。 Property must be located in the City of Hagerstown and be the buyer's primary residence. First-time homebuyer required. Household income approximately $50,900 (1-person) to $96,000 (8-person), tracking 80% HUD AMI for Hagerstown-Martinsburg MSA. 8-hour HUD-approved homebuyer-education class required (offered by Hagerstown Home Store). Loan forgivable over a 5-year owner-occupancy period.

Down Payment & Closing Cost Assistance - City of Hagerstown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 limits set by HUD, approximately $52,500 (1-person) to $98,950 (8-person) for the City of Hagerstown program (per Home Store City Grant flyer). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Down Payment & Closing Cost Assistance - City of Hagerstown的房价上限如下：Per HUD HOME 95% rule for Hagerstown area。 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment & Closing Cost Assistance - City of Hagerstown服务于在Hagerstown，Maryland购房的购房者。

Down Payment & Closing Cost Assistance - City of Hagerstown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First-come, first-served via Hagerstown Home Store; subject to annual HUD HOME / CDBG funding.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。