Project Reinvest Program

Project Reinvest Program是面向Baltimore，Maryland购房者的延期第二贷款。 NHS of Baltimore-administered DPA originally funded by NeighborWorks Project Reinvest, now expanded under State of Maryland's Reinvest Baltimore (BVRI/UPLIFT). $10,000-$15,000 forgivable second, 5-year, 80% AMI, 640 FICO, max purchase price $266,000, FTHB only. NHS lender + counseling required. Down payment assistance program administered by Neighborhood Housing Services (NHS) of Baltimore, originally funded under NeighborWorks America's 'Project Reinvest' allocation and now also encompassing the State of Maryland's REINVEST BALTIMORE Down Payment Assistance Program (NHS Baltimore selected by Maryland Community Investment Corporation in February 2026 to administer up to $3M of Reinvest Baltimore DPA funds under the FY26 Baltimore Vacants Reinvestment Initiative). Provides $10,000 fixed amount (up to $15,000 in current cycles) as a 0% interest 5-year forgivable second mortgage. Maximum purchase price $266,000 (per LendSquawk seed. current Reinvest Baltimore cycle aligns with BVRI redevelopment target prices). 80% AMI cap (income $62,600 1-person to $118,050 8-person per seed). First-time homebuyer. Must work with NHS-approved lender. NHS pre-purchase counseling required. 资金来自Federal NeighborWorks、State和Local Government。

Project Reinvest 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：5-year forgiveness (typically 20%/year prorated). Unforgiven balance due on sale/transfer/cash-out refi/non-owner-occupancy within retention period. 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。

Project Reinvest 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 3-year FTHB lookback; HUD displaced-homemaker / single-parent exceptions. 关于信用，该项目说明：640 minimum FICO. 须参加购房者教育课程，由NHS of Baltimore (HUD-approved housing counseling agency) - pre-purchase counseling required.提供。 居住要求：Property must be in Baltimore City and serve as primary residence. BVRI-funded redevelopment properties prioritized under Reinvest Baltimore cycle. 公民身份或移民身份：Per first-mortgage product rules. First-time homebuyer (no primary residence in past 3 years). Household income at or below 80% AMI for Baltimore HMFA. 640 minimum FICO. Must purchase property in Baltimore City (BVRI-funded properties prioritized under Reinvest Baltimore cycle). Maximum purchase price $266,000 (subject to current cycle/program guidelines). Owner-occupied primary residence. $1,000+ buyer contribution. Pre-purchase counseling certificate from NHS required (8+ hours; workshop + 1:1 counseling). Must use NHS-approved lender. 5-year retention period with prorated forgiveness.

Project Reinvest 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% AMI for Baltimore HMFA. Per LendSquawk seed: $62,600 (1-person) to $118,050 (8-person). Verify at nhsbaltimore.org/dpa/household-income-eligibility. 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。

Project Reinvest Program将房价上限设为$266,000。 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Project Reinvest Program服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：Baltimore City; BVRI-funded redevelopment properties prioritized under FY26 Reinvest Baltimore cycle. NeighborWorks Project Reinvest historically targeted disinvested neighborhoods.

Project Reinvest 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 through NHS Baltimore. Pre-qualification by NHS-approved lender; NHS issues commitment letter; funds reserved through NHS at first-mortgage rate-lock. First-come, first-served while program funds remain.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。