Camden County First-Time Homebuyers' Program

Camden County First-Time Homebuyers' Program是面向Camden县，New Jersey购房者的可免除贷款，由Camden County Improvement Authority (CCIA) with Camden County Dept. of Community Development管理。 HOME-funded assistance for low- and moderate-income first-time homebuyers purchasing in Camden County (excluding Camden City, Tavistock, and Pine Valley). Provides up to $25,000 as a 0%, non-amortizing forgivable loan for down payment (up to 5%), closing costs, and/or principal write-down. Up to $25,000 assistance. 0% non-amortizing forgivable loan. Usable for down payment, closing costs, principal write-down. 5- or 10-year forgiveness by tier. 资金来自HUD HOME Investment Partnerships Program。

Camden County First-Time Homebuyers' Program提供$1,000至$25,000的援助。 援助档次：Forgiveness term: under $15,000 = 5 years; $15,000-$25,000 = 10 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Camden County Improvement Authority (CCIA) with Camden County Dept. of Community Development决定。

Camden County First-Time Homebuyers' Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：If property sold or disposed of during the loan period, full Note value repayable at closing. Annual primary-residence certification required. 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。

Camden County First-Time Homebuyers' 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：Single parents or displaced homemakers may qualify even if they owned within the last 3 years. 关于信用，该项目说明：Program does not evaluate applicant credit; relies on first-mortgage lender underwriting. 须参加购房者教育课程，由Minimum 8 hours of housing counseling from a HUD-certified agency (24 CFR part 214); certificate valid one year.提供。 居住要求：Purchase in Camden County excluding Camden City, Tavistock Borough, Pine Valley Borough. County residency at application not required. 公民身份或移民身份：Must be a U.S. citizen or legal resident.

Camden County First-Time Homebuyers' 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。 Household income at/below 80% AMI (HUD HOME limits) for the Philadelphia-Camden-Wilmington PA-NJ-DE-MD MSA (Effective June 2024): 1 $64,250; 2 $73,400; 3 $82,600; 4 $91,750; 5 $99,100; 6 $106,450; 7 $113,800; 8 $121,150. 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。

Camden County First-Time Homebuyers' Program将房价上限设为$290,000。 符合条件的房屋类型包括Single Family、Townhouse、2-4 Unit、Condo和Manufactured。 新建房屋不符合条件。 预制房屋符合条件。

Camden County First-Time Homebuyers' Program服务于在Camden县，New Jersey购房的购房者。

Camden County First-Time Homebuyers' Program的申请通过Camden County Improvement Authority (CCIA) with Camden County Dept. of Community Development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。