Unifour Consortium Down-Payment Assistance Program

Unifour Consortium Down-Payment Assistance Program是面向Catawba; Burke; Caldwell; Alexander县，North Carolina购房者的可免除贷款，由Western Piedmont Council of Governments (WPCOG) - Unifour Consortium HOME Program管理。 HUD HOME-funded first-time homebuyer down payment/closing-cost assistance offered by the Unifour Consortium (Alexander, Burke, Caldwell, Catawba counties) and administered by WPCOG. Provides a zero-interest, no-monthly-payment second loan equal to 15% of the purchase price, capped at $20,000, with 50% forgiven at the 10-year anniversary. 15% of purchase price (max $20,000). 0% interest, $0 monthly payment. 50% forgiven at 10-year anniversary. Subordination available for refinancing. 资金来自HUD HOME Investment Partnerships Program (Unifour Consortium / City of Lenoir lead entity)。

Unifour Consortium Down-Payment Assistance Program提供最高$20,000的援助。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Western Piedmont Council of Governments (WPCOG) - Unifour Consortium HOME Program决定。

Unifour Consortium Down-Payment Assistance Program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：Sale, refinance, or transfer; 50% forgiven at the 10-year anniversary, remaining balance repaid upon sale/refinance/transfer. 该援助以Second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。

Unifour Consortium Down-Payment 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：Applicant cannot have owned a home in the last 3 years. 关于信用，该项目说明：Minimum credit score of 620 required. 居住要求：Home purchased in Alexander, Burke, Caldwell, or Catawba County. Current WPCOG guidelines (15%/$20,000) supersede older 20%/$30,000 figures on the Morganton city page. Income-limit dollar table is an embedded image; not transcribed. Homebuyer-education requirement not stated on source.

Unifour Consortium Down-Payment 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。 Based on total gross household income (current income projected forward 12 months); within HUD HOME income guidelines (~80% AMI). Specific by-household-size dollar limits are published as an embedded image on the WPCOG page (not machine-readable) and were not transcribed. 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。

Unifour Consortium Down-Payment Assistance Program将房价上限设为$243,000。 符合条件的房屋类型包括Single Family和New Construction。 新建房屋符合条件。 预制房屋不符合条件。

Unifour Consortium Down-Payment Assistance Program服务于在Catawba; Burke; Caldwell; Alexander县，North Carolina购房的购房者。

Unifour Consortium Down-Payment Assistance Program的申请通过Western Piedmont Council of Governments (WPCOG) - Unifour Consortium HOME Program办理，该机构在其网站上公布现行条款和申请步骤。 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。