HomeSTL Homebuyer Assistance Program

HomeSTL Homebuyer Assistance Program是面向St. Louis，Missouri购房者的可免除贷款，由St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company管理。 HomeSTL is a down payment and closing-cost assistance program run by the St. Louis Development Corporation (with the City of St. Louis CDA as funder/lender) for credit-qualified first-time homebuyers at or below 80% AMI purchasing a primary residence within the City of St. Louis. Assistance is a 0%-interest forgivable second mortgage of up to $40,000, or up to $50,000 if the home is in a HUD Qualified Census Tract. Funds may be applied to down payment, closing costs, a permanent interest-rate reduction, prepaids, or principal reduction (no cash back). The loan is forgiven on a prorated annual basis over a 5-, 10-, or 15-year affordability period depending on the assistance amount. Up to $50,000 in assistance. 0% interest, no monthly payments. Forgivable (prorated annual forgiveness). Usable for down payment, closing costs, rate buydown, prepaids or principal reduction. No purchase price or loan amount limit. Extra Location Incentive in HUD Qualified Census Tracts. 资金来自ARPA Coronavirus State & Local Fiscal Recovery Funds (SLFRF) passed through City of St. Louis CDA to SLDC (U.S. Treasury award 21.027)。

HomeSTL Homebuyer Assistance Program提供$1,000至$50,000的援助。 援助档次：Forgiveness term scales with assistance amount: $1,000-$14,999 = 5-year affordability period; $15,000-$40,000 = 10-year; $40,001-$50,000 (with Location Incentive in HUD Qualified Census Tracts) = 15-year. Prorated annual forgiveness from closing date. 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St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company决定。

HomeSTL Homebuyer Assistance Program在15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：During the affordability period, the prorated unforgiven balance is due upon sale or transfer, failure to occupy as principal residence, conversion to rental, refinance without prior written CDA approval, or other default. 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。

HomeSTL Homebuyer 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。 关于信用，该项目说明：Not set by the program; determined by the first-mortgage lender / loan agency. 须参加购房者教育课程，由HUD-approved Missouri housing counseling agencies (minimum 8 hours); all persons on title must complete.提供。 居住要求：Subject property must be located within the City of St. Louis city limits. First-time buyer (no ownership in prior 3 years, including non-purchasing spouse); household income at or below 80% AMI; owner-occupy within 60 days of closing; HUD-approved homebuyer education (8+ hours); 30-year fixed FHA/VA/Conventional first mortgage; reservation made through SLDC via an approved lender. NOTE for reviewer: program reportedly reopened ~June 2026 with $1M ARPA funds (St. Louis American, 2026-06-09); verify current reservation availability before publishing, as the program had previously paused after funds were fully reserved. Forgiveness term discrepancy: official guidelines (7/8/2025) specify 5/10/15-year tiers; consumer fact sheet states 'up to 10 years' - confirm before publishing.

HomeSTL Homebuyer 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。 Household income at or below 80% AMI for the St. Louis HUD area, effective 05/01/2026. By household size: 1: $63,600; 2: $72,650; 3: $81,750; 4: $90,800; 5: $98,100; 6: $105,350; 7: $112,600; 8: $119,900. 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。

HomeSTL Homebuyer Assistance Program的房价上限如下：No purchase price or loan amount limit set by the program; follows first-mortgage loan-agency limits. 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

HomeSTL Homebuyer Assistance Program服务于在St. Louis，Missouri购房的购房者。

HomeSTL Homebuyer Assistance Program的申请通过St. Louis Development Corporation (SLDC); City of St. Louis Community Development Administration (CDA) is funder/lender; Program Administrator Stifel, Nicolaus & Company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。