Columbia Bank Access Homeownership Grant

Columbia Bank Access Homeownership Grant是面向New Jersey购房者的补助金，由Columbia Bank (New Jersey)管理。 Columbia Bank's Access Homeownership Grant provides up to $5,000 toward down payment and closing costs for qualified first-time homebuyers who obtain a mortgage from Columbia Bank. Applicants must earn less than 80% of the FFIEC Median Family Income limits and purchase a home in a low- or moderate-income census tract within the Bank's CRA assessment area. Homebuyer education is required prior to closing, and the grant is repayable if the home is sold within two years. Up to $5,000 grant for down payment/closing costs. Competitive fixed mortgage rates. No direct cash to borrower (applied to costs). 资金来自Columbia Bank (CRA assessment-area grant program)。

Columbia Bank Access Homeownership Grant提供最高$5,000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Columbia Bank (New Jersey)决定。

Columbia Bank Access Homeownership Grant属于补助金，因此无需偿还。 触发还款的情形：Grant is subject to repayment if the homebuyer sells the residence within two years of closing. 该援助以None (grant)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。

Columbia Bank Access Homeownership Grant面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：All loans subject to credit approval; specific minimum not published. 须参加购房者教育课程，由Homebuyer education required prior to closing.提供。 First-time homebuyers only, income below 80% FFIEC MFI, property in an LMI census tract within the Bank's assessment area. Grant repayable if sold within 2 years. Closing must occur within 120-day commitment period. Cannot have previously received this grant. Available only with a Columbia Bank mortgage.

Columbia Bank Access Homeownership Grant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。 Applicants must earn less than 80% of the FFIEC Median Family Income limits for the applicable calendar year. 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。

Columbia Bank Access Homeownership Grant的房价上限如下：Maximum purchase prices may apply; confirm with an Account Executive. 符合条件的房屋类型包括Primary residence。

Columbia Bank Access Homeownership Grant服务于在New Jersey任何地方购房的购房者。 该项目针对特定区域：Low- or moderate-income census tracts within Columbia Bank's CRA assessment area (New Jersey).

Columbia Bank Access Homeownership Grant的申请通过Columbia Bank (New Jersey)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Apply online and select a loan program; closing must occur within the 120-day commitment period for grant approval.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。