University of Maryland, Baltimore (UMB) Live Near Your Work Program

University of Maryland, Baltimore (UMB) Live Near Your Work Program是面向Baltimore，Maryland购房者的补助金，由University of Maryland, Baltimore (UMB) Human Resource Services, Office of Community Engagement管理。 UMB's Live Near Your Work (LNYW) Program is an employer-funded down payment and closing cost grant for UMB faculty and staff who purchase a home in targeted West Baltimore neighborhoods around the campus. UMB contributes $16,000 per eligible participant, which can be combined with a matching grant of up to $2,500 from the Baltimore City Live Near Your Work Program for a total of approximately $18,500. Up to $16,000 grant from UMB toward down payment and closing costs (up to ~$18,500 total with Baltimore City LNYW match) for purchasing a home in a targeted neighborhood near campus. 资金来自Employer (UMB) funds plus Baltimore City Live Near Your Work match。

University of Maryland, Baltimore (UMB) Live Near Your Work Program提供$16,000至$18,500的援助，具体取决于购房者符合的援助档次。 援助档次：UMB contribution $16,000; up to $2,500 additional from Baltimore City LNYW match (~$18,500 total). 购房者自付部分：Minimum homeowner down payment contribution of $1,000. 该项目可与Baltimore City Live Near Your Work match (up to $2,500); other Baltimore City/State incentives where eligible.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University of Maryland, Baltimore (UMB) Human Resource Services, Office of Community Engagement决定。

University of Maryland, Baltimore (UMB) Live Near Your Work Program属于补助金，因此无需偿还。 触发还款的情形：Grant repaid if false statements/material omissions made; employee must occupy as primary residence at least 5 years from settlement (per eligibility self-assessment). 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。

University of Maryland, Baltimore (UMB) Live Near Your Work Program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：Creditworthiness required; no specific minimum score published. 须参加购房者教育课程，由HUD-certified housing counselor (completed before signing contract of sale).提供。 居住要求：Must purchase within UMB targeted neighborhoods: Barre Circle, Druid Heights, Franklin Square, Harlem Park, Heritage Crossing, Hollins Market, Mount Clare, Pigtown/Washington Village, Poppleton, Union Square, Upton. Limited to UMB employees buying in targeted neighborhoods; one LNYW grant per household/address; HUD-certified counseling required before contract; $1,000 minimum buyer contribution. NOTE: exact recapture/forgiveness schedule and any income/purchase-price limits not published.

University of Maryland, Baltimore (UMB) Live Near Your Work Program的收入限制如下：No income limit published for the UMB LNYW grant itself. 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。

University of Maryland, Baltimore (UMB) Live Near Your Work Program可用于single_family、condo和townhouse。

University of Maryland, Baltimore (UMB) Live Near Your Work Program仅限University of Maryland, Baltimore (regular full- or part-time 50%+ FTE faculty/staff in good standing). Not contractual employees, postdoc fellows, part-time <50% FTE, students, or UMMC employees.的员工。 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。

University of Maryland, Baltimore (UMB) Live Near Your Work Program服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：Eleven targeted West Baltimore neighborhoods near the UMB campus. 目标社区：Barre Circle, Druid Heights, Franklin Square, Harlem Park, Heritage Crossing, Hollins Market, Mount Clare, Pigtown/Washington Village, Poppleton, Union Square, Upton。

University of Maryland, Baltimore (UMB) Live Near Your Work Program的申请通过University of Maryland, Baltimore (UMB) Human Resource Services, Office of Community Engagement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。