Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)是面向Irvington，New Jersey购房者的可免除贷款，由Township of Irvington Department of Economic Development and Grants Oversight (DEDGO)管理。 The Township of Irvington Homeownership Program uses federal HUD HOME funds to provide eligible first-time homebuyers up to $10,000 in down payment and/or closing-cost assistance toward a 1-4 family home, condo, co-op, or manufactured home within Irvington. The subsidy is secured by a lien with a 5-year affordability period and becomes a partially repayable loan (per a recapture schedule) only if the buyer sells, moves, or defaults before 5 years. Applicants must complete Urban League of Essex County homebuyer counseling, have a credit score of at least 640, at least $1,500 in savings, and earn at or below 80% AMI. Up to $10,000 DPA/closing-cost grant. Forgiven after 5 years. Condos, co-ops, manufactured homes eligible. Free HUD-approved counseling via Urban League of Essex County. Open to any lender. 资金来自Federal HUD HOME Investment Partnerships Program。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)提供$1,000至$10,000的援助。 援助档次：Sliding scale based on the primary mortgage; minimum $1,000, maximum $10,000 per dwelling unit。 购房者自付部分：At least $1,500 in a savings account。 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Township of Irvington Department of Economic Development and Grants Oversight (DEDGO)决定。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)在5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：Partial repayment (per recapture schedule) if buyer moves, sells, or defaults before the end of the 5-year affordability period。 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。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)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：First-time homebuyer defined as not having owned a home in the last 3 years。 关于信用，该项目说明：Minimum credit score of 640 with no late payments, collections, judgments, or tax liens in the past 12 months。 须参加购房者教育课程，由Urban League of Essex County (ULEC) First-Time Homeowners Program (HUD-approved); certificate required plus post-purchase counseling commitment提供。 居住要求：Property must be located within the Township of Irvington。 Must complete Urban League of Essex County (ULEC) First-Time Homeowners Program and obtain certificate; no late payments/collections/judgments/tax liens in past 12 months; property must pass local Housing Standards and Lead-Based Paint inspections.

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)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 or below 80% of area median income (HUD Section 8 low-income limits), adjusted for household size; revised annually. 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。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)可用于Single Family、2-4 Unit、Condo、Co-op和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)服务于在Irvington，New Jersey购房的购房者。

Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)的申请通过Township of Irvington Department of Economic Development and Grants Oversight (DEDGO)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Walk-in preliminary application at DEDGO office; referral to Urban League of Essex County counseling; then Program Participation Application and eligibility interview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。