Butler County Down Payment & Closing Cost Assistance Program

Butler County Down Payment & Closing Cost Assistance Program是面向Butler县，Ohio购房者的可免除贷款，由Neighborhood Housing Services of Hamilton, Inc. (NHSH)管理。 The Butler County Down Payment & Closing Cost Assistance Program is administered by Neighborhood Housing Services of Hamilton, Inc. on behalf of the Butler County / City of Middletown HOME Consortium and provides eligible low-income homebuyers up to $7,500 (not to exceed 6% of the purchase price) toward down payment and eligible closing costs. The assistance is a 5-year non-amortizing forgivable loan secured by a subordinate mortgage held by Butler County, forgiven 20% per year. Properties must be located within the Butler County Entitlement/Consortium area, excluding the City of Hamilton, and households must be at or below 80% of area median income. Up to $7,500 in down payment and closing cost assistance. 5-year forgivable loan (20% forgiven per year). 0% interest, no monthly payments. Can cover 100% of reasonable closing costs. Can be applied toward FHA 3.5% down payment requirement. 资金来自HUD HOME Investment Partnerships Program (Butler County / City of Middletown HOME Consortium - Butler County Entitlement)。

Butler County Down Payment & Closing Cost Assistance Program提供$1,000至$7,500的援助。 援助档次：Part of NHSH consortium program with separate caps for City of Hamilton, City of Middletown, and Butler County ($7,500 not to exceed 6% of purchase price)。 该项目要求购房者自付$500。 该项目可与FHA, Conventional, and VA first mortgages; can be applied toward FHA 3.5% down payment requirement结合使用。 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)决定。

Butler County Down Payment & Closing Cost Assistance Program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：Sale, transfer, or failure to occupy as principal residence before end of 5-year term; remaining balance pro-rated and repaid (20% forgiven per year)。 该援助以Subordinate (second) mortgage held by Butler County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 Down Payment & Closing Cost Assistance Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No published minimum credit score; all bankruptcies must be at least 2 years old from date of discharge。 须参加购房者教育课程，由NHSH or any HUD-approved housing counseling agency; certificate valid 1 year提供。 居住要求：Property must be located within the Butler County Entitlement and Consortium area, excluding the City of Hamilton。 Minimum $500 borrower contribution (cannot be gifted); 8 hours of pre/post-purchase counseling and a HUD-approved Homebuyer Education certificate required prior to closing; DTI may not exceed 43%; bankruptcies discharged at least 2 years; first mortgage fixed-rate fully amortizing with escrows; no cash back; HQS inspection and lead clearance required.

Butler County Down Payment & Closing Cost Assistance 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。 Total household income at or below 80% of Butler County AMI per HUD HOME Program Income Limits (effective June 1, 2025). Income counted from all household members 18+ (excluding full-time students). 4-person 80% limit: $89,450. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Down Payment & Closing Cost Assistance Program将房价上限设为$277,000。 符合条件的房屋类型包括Condo和Single Family。 新建房屋符合条件。

Butler County Down Payment & Closing Cost Assistance Program服务于在Butler县，Ohio购房的购房者。

Butler County Down Payment & Closing Cost Assistance Program的申请通过Neighborhood Housing Services of Hamilton, Inc. (NHSH)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First-come, first-serve; application packet submitted by lender to NHSH preferably no less than 4 weeks before closing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。