City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)是面向Winston-Salem，North Carolina购房者的延期第二贷款，由Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement)管理。 Down payment and closing cost assistance for first-time homebuyers purchasing within the city limits of Winston-Salem, funded by the City of Winston-Salem HUD CDBG and HOME funds. Under an Interlocal Agreement (Sept 21, 2023 - June 30, 2026), the City contracted Forsyth County Community & Economic Development to administer these funds for properties inside Winston-Salem city limits, through the County unified Homebuyer Assistance Program. Assistance is a 0% deferred silent second loan secured by a Deed of Trust with deed restrictions. Buyers must be first-time homebuyers at or below 80% AMI, complete HUD-approved homebuyer education, and occupy the home as their primary residence. Down payment and closing cost assistance. 0% deferred silent second mortgage. Repayment deferred 30 years while occupied as primary residence. Origination fees eligible up to 1.5%. 资金来自City of Winston-Salem HUD CDBG and HOME funds (administered by Forsyth County CED via Interlocal Agreement)。

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)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：Due when first mortgage is paid in full, upon sale/transfer of title, cash-out refinance, change in owner-occupancy, foreclosure, default, or death; affordability/deferral period is 30 years per 24 CFR 92.254. 该援助以Subordinate (second/third) - Deed of Trust with deed restrictions; priority based on amount of assistance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 Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)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 = no ownership interest in a principal residence during the 3-year period ending on purchase date (HUD/FHA), with standard displaced-homemaker/single-parent exceptions. 关于信用，该项目说明：Minimum 600 for AHOP-HOME (City CDBG/HOME track); 640 for NCHFA CPLP (660 for new manufactured homes). Lower of two scores used. 须参加购房者教育课程，由Center for Homeownership (Financial Pathways of the Piedmont), Winston-Salem; Housing Foundation of America, Greensboro. 8-hour HUD-approved class plus County Home Maintenance course.提供。 居住要求：Property must be within the city limits of Winston-Salem (City CDBG/HOME funds). 0% deferred silent second loan; repayment deferred 30 years (HOME/AHOP affordability period) while occupied as primary residence; due when first mortgage is paid in full, on sale/transfer, cash-out refinance, foreclosure, default, or death. Occupy within 60 days. First mortgage rate must not exceed 1% above NCHFA published rates. 8-hour HUD-approved homebuyer education plus a Home Maintenance course required. Max cash back to buyer at closing $2,500. This is the Winston-Salem-only CDBG/HOME component of Forsyth County CED unified Homebuyer Assistance Program; cataloged Forsyth County AHOP serves the county excluding Winston-Salem and Walkertown. City-specific maximum dollar amount not separately published (left blank, not guessed); overall unified program max combined assistance is $90,000 (AHOP-HOME $40,000 + CPLP $50,000).

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)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。 Total household compliance income must not exceed 80% AMI for the Winston-Salem HUD area, adjusted for size. 2025 80% AMI (eff. June 1, 2025): 1p $48,550; 2p $55,500; 3p $62,450; 4p $69,350; 5p $74,900; 6p $80,450; 7p $86,000; 8p $91,550. 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 Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)的房价上限如下：May not exceed HUD-published Maximum Sales Price limits for Forsyth County, NC (updated annually); appraised value must be >= sales price. 符合条件的房屋类型包括Single Family、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)服务于在Winston-Salem，North Carolina购房的购房者。 目标社区：City of Winston-Salem city limits。

City of Winston-Salem Homebuyer Assistance Program (CDBG/HOME Down Payment Assistance)的申请通过Forsyth County Community & Economic Development (administering City of Winston-Salem CDBG/HOME funds under Interlocal Agreement)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 until program funding is depleted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。