City of Columbia Homeownership Assistance Program

City of Columbia Homeownership Assistance Program是面向Columbia，Missouri购房者的可免除贷款，由City of Columbia Housing Programs Division (Housing and Neighborhood Services)管理。 The Homeownership Assistance Program makes homeownership more affordable for low-to-moderate income, first-time homebuyer households by providing down payment and/or closing cost assistance for the purchase of an existing single-family or condominium home within the Columbia city limits. Applications are only considered when a qualified buyer is under contract on a property. Assistance is provided through federal HOME funds. $10,000 to $20,000 in assistance provided as a 10-year forgivable loan at 0% interest, used for down payment and closing costs or to reduce the loan principal. A $500 grant is also available at closing toward lead hazard remediation if applicable. 资金来自Federal HOME Investment Partnerships Program (HUD) funds administered by the City of Columbia。

City of Columbia Homeownership Assistance Program提供$10,000至$20,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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 Columbia Housing Programs Division (Housing and Neighborhood Services)决定。

City of Columbia Homeownership Assistance Program在10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：If the property is sold or rented within the initial 10-year period, assistance is repaid on a prorated basis (balance of unforgiven amount). 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 Columbia Homeownership Assistance 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。 该项目列出的最低信用分数为600。 须参加购房者教育课程。 Must be a first-time homebuyer (exception for displaced homemakers) meeting HUD income guidelines. Buyer must contribute a minimum of $500 cash. Cannot hold more than $25,000 in readily available resources unless the excess is invested in the home. Property must pass City property maintenance code inspection; pre-1978 homes may require lead risk assessment. Must avoid flood plains. Applicant applies through their lender.

City of Columbia Homeownership Assistance Program的收入限制如下：HUD income guidelines by household size (effective April 1, 2025): 1 person $59,300; 2 $67,750; 3 $76,200; 4 $84,650; 5 $91,450; 6 $98,200; 7 $105,000; 8 $111,750. 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 Columbia Homeownership Assistance Program将房价上限设为$249,000。

City of Columbia Homeownership Assistance Program服务于在Columbia，Missouri购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

City of Columbia Homeownership Assistance Program的申请通过City of Columbia Housing Programs Division (Housing and Neighborhood Services)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。