City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund是面向Columbus，Ohio购房者的可免除贷款，由City of Columbus Department of Development, Division of Housing管理。 The City of Columbus ADDI Program assists low- and middle-income households finance the acquisition of a first home within the City of Columbus corporation limits. It provides a five-year deferred forgivable loan toward the required down payment, reasonable closing costs, and/or a reduction in the principal mortgage amount. Funds come from the non-federal Neighborhood Economic Development (NED) Fund. Up to 6% of the purchase price (maximum $14,999) as a 5-year deferred forgivable loan toward down payment, closing costs, and/or principal reduction. 资金来自City of Columbus Neighborhood Economic Development (NED) Fund (non-federal)。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund提供最高$14,999的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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City of Columbus Department of Development, Division of Housing决定。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund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, rental, transfer, refinance, or ceasing to occupy as principal residence before the end of the occupancy term; funds repaid from net proceeds of sale. 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。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund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。 须参加购房者教育课程。 Buyer must reside in the property for 5 years (longer occupancy terms of 10 or 15 years may apply for larger amounts) or funds must be repaid from net sale proceeds; property cannot be sold, rented, or transferred during the term and must remain the principal residence. Application is completed by an approved participating lender (lender must have a Lender Participation Agreement and complete ADDI training). Minimum 6 months Ohio residency and U.S. permanent residency required. Buyer must contribute $500 of own funds and show $500 post-closing access. Post-closing asset limit of $10,000 in cash/cash equivalents (excluding 401k/pension). Decent, Safe and Sanitary inspection required. Columbus Department of Development employees are ineligible. NOTE: distinct from any generic statewide 'ADDI' entry - this is the city-administered, NED-funded Columbus program. Per program FAQ, can be stacked with other DPA programs as long as City funds are not part of the other program.

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income at or below 120% of area median income (AMI) adjusted for household size as determined by HUD for the Columbus MSA. Buyers at or below 30% AMI considered case-by-case. HOME-funded projects must be at or below 80% AMI. Housing expense (PITI) ratio must not exceed 35% and total debt ratio must not exceed 45% (higher considered case-by-case). 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。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund的房价上限如下：No fixed dollar cap, but purchase price cannot exceed fair market value per the Uniform Residential Appraisal Report (URAR); buyer must cover any gap above appraised value with own funds.

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund服务于在Columbus，Ohio购房的购房者。

City of Columbus American Dream Downpayment Initiative (ADDI) - NED Fund的申请通过City of Columbus Department of Development, Division of Housing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。