ICCF Community Homes Individual Development Account (IDA) Program

ICCF Community Homes Individual Development Account (IDA) Program是面向Grand Rapids，Michigan购房者的补助金，由Inner City Christian Federation (ICCF Community Homes)管理。 ICCF Community Homes' Individual Development Account (IDA) Program is a matched-savings program that helps first-time homebuyers save for the initial costs of buying a home in Kent County, Michigan. Participants meet with an ICCF HUD-certified housing counselor, open an IDA savings account, and save at least $1,000 over a minimum of six months while completing program requirements. Once the savings goal and requirements are met and a home is secured, the program provides a $4,000 grant toward down payment and closing costs, disbursed to the title company at closing. $4,000 grant matched 4:1 against the buyer's $1,000 savings. Toward down payment and closing costs. Pre-purchase counseling and homebuyer education support. 资金来自Grant from Heart of West Michigan United Way (philanthropic/local nonprofit funding).

ICCF Community Homes Individual Development Account (IDA) Program提供最高$4,000的援助。 购房者自付部分：Participant must save at least $1,000 in the IDA over a minimum of 6 months (minimum $30/month deposits). 该项目可与Supplemental program for the final part of the homebuying journey; combinable with other DPA/grant opportunities identified through ICCF counseling.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Inner City Christian Federation (ICCF Community Homes)决定。

ICCF Community Homes Individual Development Account (IDA) Program属于补助金，因此无需偿还。 触发还款的情形：None - the $4,000 is a grant with no repayment obligation. 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。

ICCF Community Homes Individual Development Account (IDA) Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Credit score of at least 580. 须参加购房者教育课程，由ICCF Community Homes (HUD-approved Homebuyer Education Class and pre-purchase housing counseling) plus a money management course.提供。 居住要求：Must be a current Kent County resident intending to purchase a home in Kent County. Matched-savings IDA: save at least $1,000 over at least 6 months (minimum $30/month deposits), maintain monthly communication and quarterly in-person meetings with the ICCF counselor, complete a money-management course, and secure a mortgage and home. Up to 18 months participation. The $4,000 is a grant (no repayment). Minimum annual income of $35,000 required unless using a Housing Choice Voucher for mortgage assistance; minimum credit score 580.

ICCF Community Homes Individual Development Account (IDA) Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income at or below 100% of Kent County AMI. Effective May 2026-April 2027 by household size: 1=$74,700; 2=$85,300; 3=$96,000; 4=$106,600; 5=$115,200; 6=$123,700; 7=$132,200; 8=$140,800 (+$8,600 each add'l). Also requires minimum annual income of $35,000 (unless using a Housing Choice Voucher) and consistent income for the past 6 months. 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。

ICCF Community Homes Individual Development Account (IDA) Program可用于Single Family。

ICCF Community Homes Individual Development Account (IDA) Program服务于在Grand Rapids，Michigan购房的购房者。 目标社区：Kent County, Michigan (greater Grand Rapids area)。

ICCF Community Homes Individual Development Account (IDA) Program的申请通过Inner City Christian Federation (ICCF Community Homes)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Enrollment through ICCF housing counseling; subject to program capacity. Enrolling new participants effective 3/1/2026.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。