Columbiana County CHIP Homeownership / Down Payment Assistance

Columbiana County CHIP Homeownership / Down Payment Assistance是面向Columbiana县，Ohio购房者的可免除贷款，由Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC管理。 Columbiana County's CHIP program, a partnership of the County Commissioners and the cities of Columbiana, East Liverpool, and Salem, provides homeownership assistance including down payment/closing-cost assistance (in addition to home repair and rehabilitation). Down payment grants range from $1,000 to $5,000 as a 0% forgivable loan secured by a 10-year promissory note, for households at or below 80% AMI. Buyers contribute at least $500 of their own funds and complete homebuyer counseling. $1,000-$5,000 down payment/closing-cost assistance. 0% interest, forgivable over a 10-year note. Can be combined with FHA/VA/USDA/conventional financing. Homebuyer counseling provided. 资金来自Ohio Department of Development CHIP program。

Columbiana County CHIP Homeownership / Down Payment Assistance提供$1,000至$5,000的援助。 购房者自付部分：Minimum $500 of the buyer's own funds toward the purchase。 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Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC决定。

Columbiana County CHIP Homeownership / Down Payment Assistance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：Sale/transfer/vacancy before the 10-year promissory note expires triggers repayment of a percentage; after 10 years, repay 15% of the grant upon vacancy/transfer (payback amount varies by community)。 该援助以Subordinate (mortgage/promissory note recorded; ~$36-$44 recording fee plus release fee)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。

Columbiana County CHIP Homeownership / Down Payment Assistance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，由Approximately 7 hours of counseling in budgeting, home maintenance, lending, and fair housing提供。 LOAN TERM: 0% forgivable loan over a 10-year promissory note. CHIP is a competitive two-year grant; the official county page lists down payment/closing-cost assistance, but Columbiana County's PY2025 CHIP award (Ohio Dept. of Development, Jan 2025) may be budgeted only for owner rehabilitation — DPA availability in the current cycle MUST be confirmed with the administering agencies before relying on it. Standard CHIP DPA terms cited from the Ohio Regional Development Corp. guidelines.

Columbiana County CHIP Homeownership / Down Payment Assistance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。 At or below 80% AMI (example cited: family of three at or below $39,900). Net assets over $100,000 disqualify. 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。

Columbiana County CHIP Homeownership / Down Payment Assistance可用于Single Family、2-4 Unit、Condo和Manufactured。 新建房屋不符合条件。 预制房屋符合条件。

Columbiana County CHIP Homeownership / Down Payment Assistance服务于在Columbiana县，Ohio购房的购房者。

Columbiana County CHIP Homeownership / Down Payment Assistance的申请通过Columbiana County Board of Commissioners (with Cities of Columbiana, East Liverpool, and Salem); administered by Community Action Agency of Columbiana County and Hall Community Development LLC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-served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。