Atlantic City Homebuyers Assistance Program

Atlantic City Homebuyers Assistance Program是面向Atlantic City，New Jersey购房者的增值共享贷款，由Atlantic County Improvement Authority (ACIA)管理。 Down payment and closing cost assistance funded by the Atlantic City Luxury Tax Fund to promote primary homeownership and neighborhood stabilization in Atlantic City. Provides up to $30,000 as a deferred 0% loan with a 20-year shared-appreciation recapture for homes purchased in Atlantic City. Up to $30,000 (up to 10% of price for down payment plus up to $5,000 closing costs). Deferred 0% loan. No monthly payments. Partial forgiveness after 5 years, full after 20 years. 资金来自Atlantic City Luxury Tax Fund。

Atlantic City Homebuyers Assistance Program提供最高$30,000的援助。 援助档次：Recapture: <5 yrs = loan + 50% net proceeds; 6-10 yrs = loan + 10% net proceeds; 11-20 yrs = loan only; forgiven if held as primary residence 20 years. 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Atlantic County Improvement Authority (ACIA)决定。

Atlantic City Homebuyers Assistance 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：Repaid at resale, rent, refinance, or any change in title, plus a portion of appreciation per the recapture agreement. 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。

Atlantic City Homebuyers 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：Neither applicant nor any household member may have owned a home in the last 3 years. 关于信用，该项目说明：Not specified; must obtain a non-high-cost fixed-rate mortgage from a licensed NJ lender. 居住要求：Resided in Atlantic County 12 months OR employed in Atlantic City 12 months. Property in Atlantic City, maintained as primary residence for loan term. 公民身份或移民身份：Non-permanent residents of the U.S. or NJ are disqualified.

Atlantic City Homebuyers Assistance Program将家庭收入限制在$131,000。 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。

Atlantic City Homebuyers Assistance Program将房价上限设为$544,000。 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋不符合条件。 预制房屋不符合条件。

Atlantic City Homebuyers Assistance Program服务于在Atlantic City，New Jersey购房的购房者。 该项目针对特定区域：Targeted to homes purchased within Atlantic City for neighborhood stabilization.

Atlantic City Homebuyers Assistance Program的申请通过Atlantic County Improvement Authority (ACIA)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。