RCLF Grow Homeownership Mississippi

RCLF Grow Homeownership Mississippi是面向Forrest, Harrison, Hinds, Lee县，Mississippi购房者的延期第二贷款，由Renaissance Community Loan Fund (RCLF)管理。 RCLF's Grow Homeownership Mississippi program provides $10,000 in 0% interest deferred down payment assistance to low-income homebuyers in Forrest, Harrison, Hinds, and Lee counties. Funds are secured as a subordinate lien deferred for the life of ownership, due upon sale, refinance of the first mortgage, or non-occupancy. Primary eligibility targets households at or below 80% AMI; an expanded tier allows African American households or buyers of properties in qualified census tracts at 81–100% AMI. RCLF is a NeighborWorks America chartered member, HUD-approved housing counseling agency, and Treasury-certified CDFI. $10,000 deferred subordinate lien — no monthly payment. 0% interest rate. Due only upon sale, refinance, or non-occupancy. Targeted to households at or below 80% AMI. Expanded tier for African American households or QCT properties at 81–100% AMI. Pairs with RCLF and MHC first mortgages. 资金来自RCLF CDFI funds; subject to availability on first-come, first-served basis。

RCLF Grow Homeownership Mississippi提供最高$10,000的援助。 援助档次：Tier 1 (Primary): household income at or below 80% AMI — all applicants in covered counties eligible. Tier 2 (Expanded): household income 81–100% AMI — eligible only if household is African American OR property is located in a qualified census tract. 该项目可与RCLF first mortgage products (Easy8/MHC, Trusty10/MHC, Smart7/MHC, RCLF InHouse); FHLB Dallas HELP (up to $20,000 additional) also available through RCLF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Renaissance Community Loan Fund (RCLF)决定。

RCLF Grow Homeownership Mississippi为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale of home, refinance of first mortgage, or borrower no longer occupies home as primary residence。 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。

RCLF Grow Homeownership Mississippi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：First-time homebuyer defined as no ownership interest in principal residence in prior 3 years. Veterans and buyers in USDA/HUD designated target areas may be exempt. 关于信用，该项目说明：Must receive mortgage pre-approval from RCLF or Gum Tree Mortgage; specific minimum credit score not published on program page。 居住要求：Home must be located in Forrest, Harrison, Hinds, or Lee County, Mississippi. Must be primary residence and owner-occupied for the life of ownership. Borrower must use RCLF or Gum Tree Mortgage for first mortgage — DPA is not available through other lenders. RCLF performs income calculation internally. Funds limited and subject to availability (first-come, first-served). Veterans and buyers in designated target areas may be exempt from first-time homebuyer requirement. The specific list of qualified census tracts for the 81–100% AMI tier is not published — contact RCLF at (844) 488-7253. RCLF NMLS #303219 (MS).

RCLF Grow Homeownership Mississippi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。 Primary tier: household income at or below 80% AMI. Expanded tier: 81–100% AMI for African American households or properties in a qualified census tract. RCLF internally calculates household income and advises the lender of applicant eligibility. 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。

RCLF Grow Homeownership Mississippi的房价上限如下：Not specified in published program materials。 符合条件的房屋类型包括Single Family。

RCLF Grow Homeownership Mississippi服务于在Forrest, Harrison, Hinds, Lee县，Mississippi购房的购房者。 该项目针对特定区域：Limited to four Mississippi counties: Forrest (Hattiesburg), Harrison (Gulf Coast/Gulfport), Hinds (Jackson), and Lee (Tupelo). Within those counties, qualified census tracts may allow expanded income eligibility for 81–100% AMI households.

RCLF Grow Homeownership Mississippi的申请通过Renaissance Community Loan Fund (RCLF)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; funds subject to availability; contact RCLF directly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。