HouseCharlotte - Program 1B

HouseCharlotte - Program 1B是面向Charlotte，North Carolina购房者的延期第二贷款。 HouseCharlotte Program 1B is the City of Charlotte's down payment assistance tier for moderate-income first-time homebuyers (above 80% AMI up to approximately 110%-120% AMI) purchasing within Charlotte city limits. Provides up to $10,000 as a 0%-interest deferred forgivable second mortgage with a 10-year affordability period. Administered by DreamKey Partners on behalf of the City of Charlotte and funded primarily by City general funds. HouseCharlotte Program 1B is the City of Charlotte's higher-income DPA tier (typically 80%-110%/120% AMI), providing up to $10,000 in down payment and closing-cost assistance for first-time homebuyers purchasing within the Charlotte city limits. The DPA is structured as a 0%-interest deferred second mortgage with a shorter 10-year affordability period (vs. 15 years for Program 1A). No monthly payments. The lien is forgiven at the end of the 10-year period if the borrower has continuously occupied as a primary residence. 资金来自City of Charlotte general funds and Housing Trust Fund; supplemented by City CDBG when eligible。

HouseCharlotte - Program 1B在10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 10-year affordability period, full balance becomes due. After year 10, lien is 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 1B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：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提供。 居住要求：Property must be within Charlotte city limits and occupied as primary residence for 10-year affordability period。 公民身份或移民身份：U.S. citizen or qualified non-citizen per first-mortgage product。 Property must be located within the Charlotte city limits. Borrower must be a first-time homebuyer. Qualifying household income above 80% AMI but at or below approximately 110%-120% Charlotte MSA AMI (~$154,000 for 4-person household, 2025). Minimum $1,000 borrower contribution. Must complete DreamKey pre-purchase counseling. Property must serve as primary residence for 10-year affordability period. Funded primarily by City of Charlotte general funds (not federal HOME), so HOME affordability rules do not directly apply but City affordability covenant runs 10 years.

HouseCharlotte - Program 1B将家庭收入限制在地区收入中位数的110%，该数值因县和家庭人数而异。 Targeted to moderate-income buyers above 80% AMI but at or below approximately 110%-120% of Charlotte-Concord-Gastonia MSA AMI. 2025 4-person ~110% AMI approximately $154,000; lower entry threshold approximately $59,400 (60% AMI). Income includes all borrowers and non-borrower spouse on title. Verify current 1B income tier limits with DreamKey Partners at application. 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 1B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 1B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 1B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) that receive enhanced HouseCharlotte assistance amounts; verify with DreamKey Partners。

HouseCharlotte - Program 1B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。