City of Jackson 100 Homes Program

City of Jackson 100 Homes Program是面向Jackson，Michigan购房者的可免除贷款，由City of Jackson Community Development Department / Affordable Housing Development Board管理。 The City of Jackson 100 Homes Program constructs up to 100 new single-family homes (2024-2026) on vacant City-owned lots, sold at a pre-negotiated $178,000 to buyers earning up to 120% AMI. The City provides $25,000 in down-payment assistance per home as a 5-year forgivable deferred loan; buyers are encouraged to layer the MSHDA $10,000 DPA, and an additional $30,000 is available for a limited time on 21 MLK-CIA corridor lots (up to $55,000 total). Up to $25,000 (or $55,000 with MLK-CIA layer) forgivable down-payment assistance; brand-new energy-efficient home at a fixed below-market price. 资金来自City of Jackson ARPA funds (Jackson City Council allocation, approved March 21, 2023); MLK-CIA provides additional layered funds。

City of Jackson 100 Homes Program提供$25,000至$55,000的援助，具体取决于购房者符合的援助档次。 援助档次：Base: $25,000 City DPA per home (up to 100 homes). Layered: additional $10,000 via MSHDA MI 10K DPA. MLK-CIA bonus: additional $30,000 for buyers selecting one of 21 eligible MLK Corridor lots, for up to $55,000 total. 该项目可与MSHDA MI 10K DPA Loan; MLK-CIA additional $30,000 DPA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City of Jackson Community Development Department / Affordable Housing Development Board决定。

City of Jackson 100 Homes 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：$25,000 down-payment assistance is a 5-year deferred loan/grant; if the buyer occupies the home as primary residence for the full 5-year affordability period, no repayment is required. Sale or loss of owner-occupancy during the period triggers repayment. 该援助以second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。

City of Jackson 100 Homes Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由City-facilitated homebuyer education classes and counseling (required)提供。 居住要求：Open to both current City of Jackson residents and non-residents; home must be in the City of Jackson。 公民身份或移民身份：Non-citizens who are not 'qualified aliens' (per PRWORA Section 431) are not eligible for federal public benefits under this ARPA-funded program。 Must apply via online portal first, complete all City requirements, then apply for a mortgage; must occupy as primary residence for the 5-year affordability period.

City of Jackson 100 Homes Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Combined household income may not exceed 120% of Area Median Income (HUD), adjusted for household size. 2024 120% AMI: 1p $70,800; 2p $80,950; 3p $91,050; 4p $101,150; 5p $109,250; 6p $117,350; 7p $125,450; 8p $133,550. 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。

City of Jackson 100 Homes Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

City of Jackson 100 Homes Program服务于在Jackson，Michigan购房的购房者。 目标社区：Vacant City-owned residential lots citywide; 21 lots within the Martin Luther King, Jr. Corridor Improvement Authority (MLK-CIA) qualify for the additional $30,000。

City of Jackson 100 Homes Program的申请通过City of Jackson Community Development Department / Affordable Housing Development Board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Online application portal (Neighborly Software); first-approved, first-served for the MLK-CIA additional funds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。