City of Raleigh Homebuyer Assistance Program

City of Raleigh Homebuyer Assistance Program是面向Raleigh，North Carolina购房者的延期第二贷款，由City of Raleigh Housing and Neighborhoods Department管理。 City of Raleigh citywide homebuyer assistance program offering 0% interest deferred second mortgage loans up to $45,000 to help first-time homebuyers with down payment, closing costs, or financing gaps. Loans are deferred for 20 years (no payments unless sold or no longer primary residence); if owner stays for an additional 10 years (30 years total), the loan is fully forgiven. Up to $45,000 in down payment, closing cost, and financing gap assistance as a 0% interest deferred second mortgage. Loan deferred 20 years; fully forgiven if owner stays in home 30 years total. No monthly payment required. 资金来自Local Government和Federal HOME。

City of Raleigh Homebuyer Assistance Program提供最高$45,000的援助。 该项目可与NC Home Advantage Mortgage; NC 1st Home Advantage Down Payment; other DPA programs per lender guidance.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City of Raleigh Housing and Neighborhoods Department决定。

City of Raleigh Homebuyer Assistance Program在30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 is deferred for 20 years. Due on sale or when property is no longer primary residence within 20 years. If owner remains for additional 10 years after deferral (30 years total), loan is fully forgiven. 该援助以2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 Raleigh 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。 此处的“首次”有例外情况：Standard FTHB (no primary residence ownership in past 3 years); displaced homemaker/single-parent exceptions may apply. 须参加购房者教育课程，由DHIC, Inc. (HUD-approved housing counseling agency); contact 919-832-4345. Homeownership class certificate required.提供。 居住要求：Property must be within City of Raleigh city limits. First-time homebuyer (no primary residence ownership in past 3 years). Household income at or below 80% AMI. Must attend approved Homeownership Education class and obtain certificate before participating. Must use a City-approved lender. Eligible properties: single-family homes, townhomes, condos within Raleigh city limits. Max purchase price $371,000 (citywide program). Note: The separate Enhanced Homebuyer Assistance Program (already in catalog) offers up to $60,000 but only in targeted geographic areas. This program is the non-targeted citywide option.

City of Raleigh 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 Raleigh MSA (Raleigh-Cary, NC HUD area). FY2025: 1-person $63,500; 2-person $72,550; 3-person $81,600; 4-person $90,650; 5-person $97,950; 6-person $105,200; 7-person $112,450; 8-person $119,700. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Raleigh Homebuyer Assistance Program将房价上限设为$371,000。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

City of Raleigh Homebuyer Assistance Program在其服务群体中提到了退伍军人、现役军人和预备役人员和国民警卫队成员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

City of Raleigh Homebuyer Assistance Program服务于在Raleigh，North Carolina购房的购房者。

City of Raleigh Homebuyer Assistance Program的申请通过City of Raleigh Housing and Neighborhoods Department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。