Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)是面向Hamilton，Ohio购房者的可免除贷款，由Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown管理。 Neighborhood Housing Services of Hamilton, Inc. administers a Down Payment and Closing Cost Assistance (DPA) Program for Butler County, the City of Hamilton, and the City of Middletown. The assistance helps eligible homebuyers purchasing a home in those jurisdictions and is provided as a 5-year non-amortized forgivable loan toward down payment and eligible closing costs. Forgivable loan of $1,000 minimum up to $7,500 maximum. City of Hamilton: up to $7,500, up to 50% of lender-required down payment, can cover 100% of reasonable closing costs and provide principal write-downs. Butler County: $7,500 not to exceed 6% of purchase price. City of Middletown: 6% of purchase price not to exceed $7,500. 资金来自HUD HOME Investment Partnerships Program funds via Butler County, City of Hamilton, and City of Middletown。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)提供$1,000至$7,500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Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown决定。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)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：Failure to occupy as principal residence or sale/transfer before the end of the 5-year forgivable term; remaining pro-rated balance collected at closing from sale proceeds. 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。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程。 5-year non-amortized forgivable loan; 20% forgiven each year. Pro-rated balance repaid if borrower fails to occupy as principal residence or sells before the 5-year term ends; secured by a subordinate mortgage held by the municipality where the property is located. Borrower must contribute at least $500 of own (non-gifted) funds. 8 hours of pre- and post-purchase counseling required (Hamilton). Homebuyer Education Certificate from a HUD-approved agency required (valid 1 year). All bankruptcies must be at least 2 years from discharge. Property must pass a Housing Quality Standards (HQS) inspection and be free of lead-based paint hazards. First mortgage must be a fixed-rate, fully amortizing loan with escrows. City of Hamilton applicants must authorize verification of immigration status. No cash back at closing; DPA cannot pay off personal debt. Condominiums eligible only in Butler County and City of Middletown. NOTE: borrower must purchase within the specific qualifying jurisdiction; verify current city/county allocation and funding availability (first-come, first-served).

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)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。 Total household income at or below 80% of area median income (AMI) per HUD; income from all household members 18+ counted (excluding full-time students). FY2025 HUD HOME income limits for Butler County effective June 1, 2025 (e.g., 1-person $62,650; 4-person $89,450). Total DTI not to exceed 43% (Butler County and Hamilton); City of Middletown housing ratio not to exceed 30% (with documented exceptions up to 43%). 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。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)将房价上限设为$277,000。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)服务于在Hamilton，Ohio购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

Butler County / City of Hamilton / City of Middletown Down Payment and Closing Cost Assistance Program (NHS of Hamilton)的申请通过Neighborhood Housing Services of Hamilton, Inc. (NHSH) on behalf of Butler County, City of Hamilton, and City of Middletown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。