Wake County Affordable Homeownership Program

Wake County Affordable Homeownership Program是面向Wake县，North Carolina购房者的可免除贷款，由DHIC, Inc. (administering on behalf of Wake County)管理。 The Affordable Homeownership Program offers forgivable, no-monthly-payment loans up to $40,000 (0% interest) to low-to-moderate income first-time homebuyers, serving all Wake County municipalities outside Raleigh and Cary. DHIC, Inc. administers the program on behalf of Wake County and provides homebuyer education and counseling. Forgiven 25% every five years over 20 years. Up to $40,000 forgivable loan at 0% interest. no monthly payments. forgiven 25% every five years over 20 years. 资金来自Federal funding (HOME/CDBG via Wake County); Raleigh and Cary excluded due to federal funding sources。

Wake County Affordable Homeownership Program提供最高$40,000的援助。 购房者自付部分：Minimum borrower investment $1,000 (no cash back at closing)。 该项目可与Other funding sources permitted subject to CLTV limits结合使用。 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DHIC, Inc. (administering on behalf of Wake County)决定。

Wake County Affordable Homeownership Program在20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：Payment due upon sale of home or if home is no longer the primary residence。 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。

Wake County Affordable Homeownership 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：Buyers who have not owned a home within the past three (3) years qualify as first-time homebuyers。 关于信用，该项目说明：640 for purchases。 须参加购房者教育课程，由8 hours with a HUD-approved housing counseling agency (DHIC Homeownership Center); 'Bringing Home the Dream' workshop提供。 Program is on a HOME/CDBG funding cycle (funds exhausted through 6/30/2026, restarts 7/1/2026) - confirm funding open before publish. FUNDING-CYCLE NOTE: per DHIC's official page, program funds are exhausted through June 30, 2026 and the program restarts July 1, 2026 - VERIFY funding is open before publishing this draft. Recurring, fully documented program (term summary dated 07/01/2025; lender list updated 12/19/2025). First mortgage must be fixed rate. 1% origination fee. Min borrower investment $1,000, no cash back. Liquid asset limit $20,000. Max DTI 45%. Min credit 640. 8 hours HUD-approved education required. Loans assumable upon DHIC/Wake review. Excludes Raleigh and Cary. Loan term/lien position not stated in official docs.

Wake County Affordable Homeownership 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。 At or below 80% AMI (HUD). 2025 Wake County 80% limits: 1=$72,950; 2=$83,400; 3=$93,800; 4=$104,200; 5=$112,550; 6=$120,900; 7=$129,250; 8=$137,550. Updated annually. 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。

Wake County Affordable Homeownership Program的房价上限如下：None。 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋符合条件。

Wake County Affordable Homeownership Program服务于在Wake县，North Carolina购房的购房者。

Wake County Affordable Homeownership Program的申请通过DHIC, Inc. (administering on behalf of Wake County)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。