City-Wide Homebuyer Assistance Program

City-Wide Homebuyer Assistance Program是面向High Point，North Carolina购房者的延期第二贷款。 City of High Point CDBG/HOME-funded DPA: up to $10,000 deferred forgivable second for first-time homebuyers at/below 80% AMI purchasing anywhere within High Point city limits. 5-10 year HOME affordability period. City of High Point City-Wide Homebuyer Assistance Program: up to $10,000 in down payment / closing-cost assistance for income-qualified first-time homebuyers (at or below 80% AMI) purchasing anywhere within High Point city limits (which span Guilford, Davidson, Forsyth, and Randolph counties). 0% deferred forgivable second. 5-10 year HOME affordability period. Pairs with NCHFA, FHA, VA, USDA, Conventional. 资金来自Federal HOME、Federal CDBG和Local Government。

City-Wide Homebuyer Assistance Program提供最高$7,500的援助。 购房者自付部分：Buyer must contribute at least $1,000 of own funds. 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管理该项目的机构决定。

City-Wide Homebuyer 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：Deferred 0%和forgiven prorated over 5-10 year HOME affordability period. Balance due on sale/transfer/refinance/non-owner-occupancy during term. 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-Wide 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 requirement; displaced homemaker / single-parent exceptions per HUD. 关于信用，该项目说明：Generally 640 minimum (per first-mortgage product). 须参加购房者教育课程，由HUD-approved housing counseling agencies including Housing Consultants Group (Greensboro/Guilford-High Point) and Community Housing Solutions. 8-hour pre-purchase education plus 1-on-1 counseling.提供。 居住要求：Property must be located within City of High Point corporate limits (Guilford, Davidson, Forsyth, or Randolph county portion) and serve as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen. First-time homebuyer (no primary-residence ownership past 3 years). Owner-occupied primary residence within High Point city limits (Guilford, Davidson, Forsyth, or Randolph). Household income at or below 80% AMI Greensboro-High Point HMFA (1-person $43,300 to 8-person $81,650 FY2025). 8-hour HUD-approved homebuyer education plus 1-on-1 counseling. Minimum $1,000 buyer contribution. Property must pass HQS inspection; pre-1978 properties require lead-based-paint risk assessment. CDBG/HOME environmental review.

City-Wide 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 Greensboro-High Point HMFA. FY2025: 1-person $43,300 to 8-person $81,650. 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-Wide Homebuyer Assistance Program的房价上限如下：Subject to HUD HOME 95% area median sales price limits for Greensboro-High Point HMFA. 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-Wide Homebuyer Assistance Program服务于在High Point，North Carolina购房的购房者。

City-Wide Homebuyer Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply directly to City of High Point Community Development. Income certification, credit review, and property eligibility determination performed by City staff.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。