Enhanced Homebuyer Assistance Program

Enhanced Homebuyer Assistance Program是面向Raleigh，North Carolina购房者的延期第二贷款。 City of Raleigh ENHANCED HBAP: up to $80,000 deferred 0% second-mortgage affordability-gap assistance for FTHBs purchasing in designated neighborhood-revitalization areas. Sales price $450,000. 80%-120% AMI. 30-year affordability period; shared-appreciation recapture. Higher-amount, stricter-targeting variant of the standard Raleigh HBAP. City of Raleigh ENHANCED Homebuyer Assistance Program: up to $80,000 in down payment / closing-cost / affordability gap assistance (significantly higher than the standard program) for income-qualified buyers purchasing in DESIGNATED RALEIGH NEIGHBORHOOD REVITALIZATION AREAS (East Raleigh, Southeast Raleigh, and other identified equity-priority neighborhoods). Sales price up to $450,000 (higher cap than standard program to support higher-cost designated areas). Income $68,500-$129,100 (80%-120% AMI Raleigh-Cary HMFA). 0% deferred second mortgage with 30-year affordability period. due on sale/transfer/refinance with shared-appreciation recapture. Pairs with NCHFA, FHA, VA, USDA, Conventional. 资金来自Federal HOME、Federal CDBG、Local Government和Local Bond。

Enhanced 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：Deferred 0%和due on sale/transfer/refinance/non-owner-occupancy with shared-appreciation recapture (proportional to subsidy share). Some tiers forgiven over 30 years. 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。

Enhanced 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 Telamon CDC, Reinvestment Partners, and CASA (Community Alternatives for Supportive Abodes). 8-hour pre-purchase education plus 1-on-1 counseling required.提供。 居住要求：Property must be within designated Raleigh neighborhood-revitalization area and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen. PROPERTY MUST BE LOCATED IN A DESIGNATED RALEIGH NEIGHBORHOOD REVITALIZATION / EQUITY-PRIORITY AREA per the City's targeted-area map (East Raleigh, Southeast Raleigh, and other identified census tracts). First-time homebuyer (no primary-residence ownership past 3 years). Owner-occupied primary residence. Household income $68,500-$129,100 (80%-120% AMI Raleigh-Cary HMFA). Sales price at or below $450,000. 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.

Enhanced 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 80%-120% AMI Raleigh-Cary HMFA. FY2025: 4p $68,500 (80%) to 8p $129,100 (120%). 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。

Enhanced Homebuyer Assistance Program将房价上限设为$450,000。 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。

Enhanced Homebuyer Assistance Program服务于在Raleigh，North Carolina购房的购房者。 该项目针对特定区域：Designated RALEIGH NEIGHBORHOOD REVITALIZATION / EQUITY-PRIORITY AREAS - includes East Raleigh, Southeast Raleigh, and other census tracts identified on the City's published targeted-area map. Enhanced program represents the higher-amount, stricter-geographic-targeting variant of Raleigh HBAP.

Enhanced 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 Raleigh Housing & Neighborhoods Department. Property eligibility confirmed against the targeted-area map. Income certification, credit review, and property HQS inspection 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。