HouseCharlotte - Program 1A

HouseCharlotte - Program 1A是面向Charlotte，North Carolina购房者的延期第二贷款。 HouseCharlotte Program 1A is the City of Charlotte's primary down payment assistance program for low-income (≤80% AMI) first-time homebuyers purchasing within Charlotte city limits. Provides up to $17,000 as a 0%-interest, deferred forgivable second mortgage with a 15-year HOME/CDBG affordability period. Administered by DreamKey Partners on behalf of the City of Charlotte's Housing & Neighborhood Services Department, funded by federal HOME and CDBG dollars and City general funds. HouseCharlotte Program 1A is the City of Charlotte's lower-income DPA tier (≤80% AMI), providing up to $17,000 in down payment and closing-cost assistance to first-time homebuyers purchasing within the Charlotte city limits. The DPA is structured as a 0%-interest deferred second mortgage that is forgiven over a 15-year affordability period (HOME-funded portion). No monthly payments. If the borrower remains in the home and continues to occupy as a primary residence through year 15, the lien is fully forgiven. 资金来自City of Charlotte Housing & Neighborhood Services - federal HOME Investment Partnership funds, CDBG, and City general funds。

HouseCharlotte - Program 1A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：If borrower sells, refinances cash-out, transfers title, or stops occupying as primary residence during 15-year affordability period: pro-rata recapture per HOME rules. After year 15: lien fully forgiven and released. 该援助以2nd Lien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。

HouseCharlotte - Program 1A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：Per HOME rules, displaced homemakers and single parents who only previously owned with a former spouse may qualify。 关于信用，该项目说明：640 minimum FICO (per NCHFA / first-mortgage product pairing)。 须参加购房者教育课程，由DreamKey Partners 8-hour HUD-approved homebuyer education plus 1:1 pre-purchase counseling required; other HUD-approved providers may be accepted with City of Charlotte approval提供。 居住要求：Property must be within the Charlotte city limits and occupied as primary residence for the 15-year HOME affordability period。 公民身份或移民身份：U.S. citizen or qualified non-citizen per HOME program rules and first-mortgage product。 Property must be located within the Charlotte city limits (not unincorporated Mecklenburg County or other municipalities). Borrower must be a first-time homebuyer (no principal-residence ownership in last 3 years). Maximum qualifying household income at or below 80% of Charlotte-Concord-Gastonia MSA AMI (approximately $111,950 for 4-person household, 2025). Minimum $1,000 borrower contribution from own funds. Must complete DreamKey Partners pre-purchase counseling. Property must serve as primary residence throughout 15-year affordability period. Federal HOME / CDBG affordability period applies.

HouseCharlotte - Program 1A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。 Maximum qualifying household income at or below 80% of HUD-published Area Median Income for Charlotte-Concord-Gastonia MSA. 2025 4-person 80% AMI approximately $111,950 (verify current limits with DreamKey at application; HUD updates limits annually each spring). 1-person 80% AMI approximately $59,400 - $78,400 depending on year and HUD revision. Income includes all borrowers and non-borrower spouse on title. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

HouseCharlotte - Program 1A将房价上限设为$315,000。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied和new and existing homes within Charlotte city limits。 新建房屋符合条件。 预制房屋不符合条件。

HouseCharlotte - Program 1A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。

HouseCharlotte - Program 1A服务于在Charlotte，North Carolina购房的购房者。 该项目针对特定区域：City of Charlotte may identify priority neighborhoods (Corridors of Opportunity, NOAH preservation areas) that receive enhanced HouseCharlotte assistance amounts; verify current priority zones with DreamKey Partners。

HouseCharlotte - Program 1A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Lender reserves HouseCharlotte funds via DreamKey Partners' lender portal alongside first-mortgage reservation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。