City of Jefferson CDBG Down Payment Assistance Program

City of Jefferson CDBG Down Payment Assistance Program是面向Jefferson City，Missouri购房者的可免除贷款，由City of Jefferson, Department of Planning & Protective Services, Neighborhood Services Division管理。 The City of Jefferson's CDBG Down Payment Assistance Program provides low-to-moderate income first-time homebuyers with up to $5,000 in a zero-interest, deferred forgivable loan toward down payment and closing costs, plus up to $500 for lead hazard reduction. The loan is secured by a deed of trust and forgiven after the buyer remains in the home for five years. Funds are awarded first-come, first-served and applications must be filed at least 30 days before closing. Up to $5,000 toward down payment/closing costs. Zero-interest forgivable loan. Forgiven after 5 years of owner-occupancy. Additional $500 for lead hazard reduction. 资金来自HUD Community Development Block Grant (CDBG)。

City of Jefferson CDBG Down Payment Assistance Program提供$5,000至$5,500的援助，具体取决于购房者符合的援助档次。 援助档次：Base assistance up to $5,000; an additional $500 may be provided to assist with lead hazard reduction。 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 Jefferson, Department of Planning & Protective Services, Neighborhood Services Division决定。

City of Jefferson CDBG Down Payment Assistance 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：Loan secured by Promissory Note and Deed of Trust; forgiven if owner remains in property for five years; lien released after the 5-year term。 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 Jefferson CDBG Down Payment 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。 此处的“首次”有例外情况：Includes those who have not owned a home in the past three years; displaced homemakers and single parents also qualify。 须参加购房者教育课程，由eHome America online course plus one-on-one HUD-Certified Housing Counseling (local agency: Love Columbia)提供。 The program's main CDBG webpage noted at review that it was 'not accepting new applications' even though a dated 2026 application packet with current income limits is published; verify current intake status with Neighborhood Services before referring.

City of Jefferson CDBG Down Payment Assistance 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。 2026 HUD income limits by household: 1-person $59,100; 2 $67,550; 3 $76,000; 4 $84,400; 5 $91,200. All household occupants over 18 counted. 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。

City of Jefferson CDBG Down Payment Assistance Program可用于Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

City of Jefferson CDBG Down Payment Assistance Program服务于在Jefferson City，Missouri购房的购房者。

City of Jefferson CDBG Down Payment Assistance Program的申请通过City of Jefferson, Department of Planning & Protective Services, Neighborhood Services Division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First-come, first-served to eligible completed applications; application must be submitted at least 30 days prior to closing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。