Golden Neighborhood Homeownership Program

Golden Neighborhood Homeownership Program是面向Jersey City，New Jersey购房者的可免除贷款。 Jersey City HOME-funded forgivable second up to $30,000 for first-time homebuyers in designated Golden Neighborhoods. Tiered AMI (50/80/120%). Min FICO 660. 10-year affordability period. Up to $30,000 in HOME-funded down payment and closing cost assistance for first-time homebuyers purchasing in designated Jersey City Golden Neighborhoods (Bergen-Lafayette, Greenville, Journal Square, West Side, Country Village). 0% interest deferred-payment forgivable second mortgage. 10-year HOME affordability period for amounts $15-40K. Tiered eligibility by AMI band (50% / 80% / 120% AMI). Min credit score 660. Pairs with FHA/VA/USDA/conventional first mortgages. 资金来自Federal HOME、Federal CDBG和Local Government。

Golden Neighborhood Homeownership 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：10-year HOME affordability period和lien forgiven at end of term. Prorated balance due on early sale, transfer, cash-out refi, or non-owner-occupancy. 该援助以2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。

Golden Neighborhood 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：HUD 24 CFR 92.2 displaced-homemaker / single-parent exceptions. 关于信用，该项目说明：Minimum FICO 660. 须参加购房者教育课程，由HUD-approved housing counseling agencies (Garden State Episcopal CDC, Hudson County Housing Resource Center).提供。 居住要求：Property must be in designated Jersey City Golden Neighborhood. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HOME rules. First-time homebuyer. Tiered AMI eligibility (50%, 80%, 120% AMI). Property must be in designated Golden Neighborhood. Owner-occupied primary residence. $1,000 minimum buyer contribution. Min credit score 660. HUD-certified homebuyer counseling certificate. HQS inspection. Lead-based paint clearance.

Golden Neighborhood 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。 Tiered AMI eligibility for Hudson County / New York-Newark HMFA: 50% AMI ($43,500 1-person), 80% AMI ($69,600 1-person), 120% AMI ($109,300 1-person upper bound). Higher tiers receive lower assistance amounts. 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。

Golden Neighborhood Homeownership Program的房价上限如下：Per HOME 95% AMPP for Hudson County (verify current limit with JC CD). 符合条件的房屋类型包括Single-family detached、Townhome、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Golden Neighborhood Homeownership Program服务于在Jersey City，New Jersey购房的购房者。 该项目针对特定区域：Jersey City Golden Neighborhoods only: Bergen-Lafayette, Greenville, Journal Square, West Side, Country Village.

Golden Neighborhood Homeownership Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application to Jersey City Division of Community Development. First-come, first-served subject to HOME/CDBG funding cycle.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。