City of St. Charles Down Payment Assistance Program

City of St. Charles Down Payment Assistance Program是面向St. Charles，Missouri购房者的可免除贷款，由City of St. Charles, Community Development Department (CDBG)管理。 The City of St. Charles offers income-eligible homebuyers a zero-percent-interest down payment assistance loan of up to $5,000 that is forgivable after five years. The assistance is delivered through partner housing counseling agencies and requires completion of a HUD-certified housing counseling program. This is a separate, city-funded program distinct from the St. Charles County HOME Down Payment Loan. Up to $5,000. 0% interest. Forgivable after 5 years. Delivered through HUD-certified counseling partners. 资金来自HUD Community Development Block Grant (CDBG)。

City of St. Charles Down Payment Assistance Program提供最高$5,000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 St. Charles, Community Development Department (CDBG)决定。

City of St. Charles 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：Zero-percent-interest second mortgage forgivable after five years。 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 St. Charles Down Payment Assistance 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HUD-certified housing counseling via North East Community Action Corporation, Better Family Life, or Beyond Housing提供。 Applicants must apply through a partner agency and complete HUD-certified housing counseling. Income brochure figures appear dated; confirm current income/purchase-price limits with the City.

City of St. Charles 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。 At or below 80% of HUD area median income; brochure limits: 1 $37,600; 2 $43,000; 3 $48,350; 4 $53,700; 5 $58,000; 6 $62,300 (brochure figures may predate current HUD limits - confirm current-year figures with the City). 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 St. Charles Down Payment Assistance Program可用于Single Family。

City of St. Charles Down Payment Assistance Program服务于在St. Charles，Missouri购房的购房者。

City of St. Charles Down Payment Assistance Program的申请通过City of St. Charles, Community Development Department (CDBG)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Apply through one of the partner agencies (Better Family Life, Beyond Housing, The Housing Partnership)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。