Homeport Growing Homeownership Fund

Homeport Growing Homeownership Fund是面向Columbus，Ohio购房者的可免除贷款，由Homeport (Columbus Housing Partnership Inc.)管理。 The Growing Homeownership Fund (GHF) is a down payment assistance program administered by Homeport for first-time homebuyers in Franklin County, Ohio. It offers up to $15,000 or 5% of the home's purchase price (whichever is less) as a 0% interest forgivable loan, provided as a 5:1 match to down payment savings documented in the borrower's personal savings. Funds may be used for down payment, closing costs, prepaid escrows, permanent rate buy-downs, up to $1,000 appraisal gap, and up to $1,000 in documented home repair costs. Up to $15,000 or 5% of purchase price. 0% interest, forgivable after a period of owner-occupancy. Stackable with OHFA, Franklin County, or lender programs. Covers down payment, closing costs, prepaid escrows, rate buy-downs, appraisal gap, and home repairs. Works with conventional, FHA, VA, and USDA first mortgages. 资金来自Philanthropic/coalition-funded nonprofit down payment assistance fund (CONVERGENCE Columbus / Homeport; bank, foundation, and municipal contributions)。

Homeport Growing Homeownership Fund提供最高$15,000的援助。 购房者自付部分：Assistance is provided as a 5:1 match to the down payment documented in the borrower's personal savings (borrower must document savings equal to at least 1/5 of the assistance). For 2-4 unit purchases, a 5% minimum borrower contribution from the borrower's own funds is required. 该项目可与Ohio Housing Finance Agency (OHFA) programs, Franklin County programs, and proprietary lender programs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Homeport (Columbus Housing Partnership Inc.)决定。

Homeport Growing Homeownership Fund是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Due and payable upon sale or transfer of title, or if the property ceases to be the borrower's primary residence, during the forgiveness/occupancy period. Land contract agreements are not eligible. 该援助以Second (or as approved by administrator); any additional lender deferred-loan assistance must be in third position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。

Homeport Growing Homeownership 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，由Homeport (HUD-certified housing counseling agency); homebuyer education must be completed within the last year (8 hours from a HUD-certified agency; no Fast Track/Quick Start certificates).提供。 居住要求：Applicant must be a current Franklin County resident; purchased property must be located in Franklin County. Borrower must complete Homeport-recognized homebuyer education within the last year (8 hours from a HUD-certified agency). Assistance is a 5:1 match to documented personal down payment savings. Land contracts and seller financing are not eligible. NOTE: exact forgiveness/occupancy term in years for the general GHF, minimum credit score, and max DTI are not published on the official program page; verify with Homeport. The race-restricted Maude Hill Growing Homeownership Fund (140% AMI, 3-year forgiveness SPCP) is a distinct sub-fund and is NOT this program.

Homeport Growing Homeownership 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 the Area Median Income (AMI) for the Columbus MSA, as determined by HUD, adjusted for family size. 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。

Homeport Growing Homeownership Fund可用于Single Family、Condo和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

Homeport Growing Homeownership Fund服务于在Columbus，Ohio购房的购房者。

Homeport Growing Homeownership Fund的申请通过Homeport (Columbus Housing Partnership Inc.)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。