HOME Down Payment Assistance

HOME Down Payment Assistance是面向Greenville，North Carolina购房者的延期第二贷款。 City of Greenville HOME-funded DPA: up to $10,000 deferred forgivable second for FTHBs at/below 80% AMI within Greenville. Sales price cap $150,000. 5-year HOME affordability period. City of Greenville HOME Down Payment Assistance: up to $10,000 in DPA for income-qualified first-time homebuyers (at or below 80% AMI Pitt County) purchasing within Greenville city limits. Sales price cap $150,000 (existing only - more restrictive than the 10% Loan program). 0% deferred forgivable second. 5-year HOME affordability period. Pairs with NCHFA, FHA, VA, USDA, Conventional. 资金来自Federal HOME和Local Government。

HOME Down Payment Assistance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-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。

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：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 Greenville Community Development counseling and OnTrack WNC.提供。 居住要求：Property must be within Greenville city limits and serve as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen (per HUD HOME rules). First-time homebuyer (no primary-residence ownership past 3 years). Owner-occupied primary residence within Greenville city limits. Household income at or below 80% AMI Pitt County (FY2025: 1-person $42,000 to 8-person $88,800). Maximum sales price $150,000. Property must pass HQS inspection; pre-1978 properties require lead-based-paint risk assessment. 8-hour HUD-approved homebuyer education plus 1-on-1 counseling. Minimum $1,000 buyer contribution.

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。 Household income at or below 80% AMI Pitt County. FY2025: 1-person $42,000 to 8-person $88,800. 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。

HOME Down Payment Assistance将房价上限设为$150,000。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋不符合条件。 预制房屋不符合条件。

HOME Down Payment Assistance服务于在Greenville，North Carolina购房的购房者。

HOME Down Payment Assistance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 Greenville Community Development.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。