Homebuyer Assistance Program

Homebuyer Assistance Program是面向Davidson，North Carolina购房者的可免除贷款。 The Town of Davidson Homebuyer Assistance Program provides up to $30,000 in forgivable second-lien financing for first-time homebuyers purchasing in Davidson (Mecklenburg County). Funded by Town affordable-housing fund and HUD HOME pass-through. Forgiven over 15 years; tied to deed-restricted affordable inventory. Up to $30,000 0% interest deferred forgivable second-lien loan for down payment and closing costs. Forgiven over 15 years. 资金来自Town of Davidson Affordable Housing Trust Fund; HUD HOME (Mecklenburg County subrecipient)。

Homebuyer Assistance Program在15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：Sale, transfer, refinance with cash-out, or non-owner-occupancy within 15-year affordability period triggers repayment of unforgiven balance. 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。

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：First-time homebuyer required (3-year look-back). 关于信用，该项目说明：No published minimum; lender underwriting governs. 须参加购房者教育课程，由HUD-approved counseling agency; 8-hour homebuyer education required.提供。 居住要求：Property must be in Town of Davidson, NC. 公民身份或移民身份：U.S. citizen or qualified alien required. Property must be located in the Town of Davidson (Mecklenburg County). First-time homebuyer required. Income up to 80% Charlotte MSA AMI. Buyer contributes $1,000 own funds. Property tied to Davidson's affordable-housing deed restriction.

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% HUD AMI for Charlotte-Concord-Gastonia MSA (FY2025): 1p $52,750; 2p $60,300; 3p $67,800; 4p $75,300; 5p $81,350; 6p $87,450. 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。

Homebuyer Assistance Program的房价上限如下：Sales price capped per Davidson affordable housing program guidelines and HUD HOME limits for Mecklenburg County. 符合条件的房屋类型包括Single-family detached, townhouse, condominium (typically deed-restricted affordable units). 新建房屋符合条件。 预制房屋不符合条件。

Homebuyer Assistance Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

Homebuyer Assistance Program服务于在Davidson，North Carolina购房的购房者。

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 via Town of Davidson Affordable Housing office.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。