HomeAbility

HomeAbility是面向Statewide，Maryland购房者的延期第二贷款。 Maryland DHCD MMP HomeAbility - 0% deferred second mortgage up to ~25% of first / ~$45,000 cap for households with a disabled member. FTHB requirement waived. Moderate-income $71,920-$129,600. 640 FICO. Statewide. Maryland DHCD's HomeAbility program is a specialized MMP product for households that include a person with a disability. Provides a 0% deferred no-payment second mortgage of up to 25% of the first mortgage amount (typically up to ~$45,000 cap) for down payment and/or closing cost assistance. Pairs with an MMP first mortgage funded via Maryland mortgage revenue bonds. The HomeAbility second is non-amortizing - no monthly payment, 0% interest - due in full on sale, refinance, transfer, payoff, or non-owner-occupancy. First-time-homebuyer requirement WAIVED for HomeAbility (program is open to repeat homebuyers in qualifying disabled-member households). Moderate-income household range $71,920 - $129,600. 640 FICO. Maximum 45% DTI. Homebuyer education required. 资金来自State和Bond。

HomeAbility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：0% deferred soft second. Full balance due on sale/refinance/transfer/payoff/non-owner-occupancy. No monthly payment. No forgiveness schedule. 该援助以2nd Lien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。

HomeAbility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：640 minimum FICO across all eligible first-mortgage products. 须参加购房者教育课程，由MMP-approved homebuyer education provider network. DHCD encourages disability-aware counseling.提供。 居住要求：Property in MD; primary residence; disabled household member must be permanent occupant. Statewide. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. DISABILITY ELIGIBILITY: Borrower or a member of the borrower's household must have a disability that meets the Social Security Administration / ADA definition - typically documented via SSA award letter, doctor's certification, or other acceptable disability documentation. The disabled household member must be a permanent occupant of the property. Owner-occupied primary residence. 640 minimum FICO. Maximum 45% DTI. Income $71,920 - $129,600 (moderate-income tier per HomeAbility income limits). Purchase price within MMP acquisition-cost limits ($544,233 to $1,535,015). FTHB requirement WAIVED. Homebuyer education required. MMP-approved lender + master servicer.

HomeAbility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。 HomeAbility household income limits $71,920 (low end) to $129,600 (high end) per MMP HomeAbility fact sheet (county-specific tiers). Designed for moderate-income households with a disabled member. 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。

HomeAbility将房价上限设为$1.5M。 符合条件的房屋类型包括Single-family detached, 2-unit owner-occupied (per overlays), condo (approved), townhouse, PUD. Property accessibility features encouraged. 新建房屋符合条件。 预制房屋不符合条件。

HomeAbility在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶和残障购房者。 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。

HomeAbility服务于在Statewide，Maryland购房的购房者。 该项目针对特定区域：Federally targeted census tracts and high-cost MD counties have elevated income / purchase-price limits.

HomeAbility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Reserved through MMP Lender Online portal at rate lock; HomeAbility designation flagged at reservation with required disability documentation.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。