Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program是面向Wooster，Ohio购房者的延期第二贷款，由Wayne Metropolitan Housing Authority for City of Wooster, City of Orrville, and Wayne County CHIP Partnership管理。 The Wayne County/Wooster CHIP Partnership offers first-time homebuyers a 0%, deferred second mortgage covering down payment and safety repairs to bring older homes up to code. Partially forgiven over a 5-to-15-year term, with the final 15% repayable only on move-out. Home must be under ~$136,400, outside a floodplain, and require no more than $30,000 in repairs. Secured $1.05M CDBG/HOME for 2026-2027. 0% deferred second. Covers down payment plus safety repairs. Partially forgivable. First-time homebuyers. 资金来自HUD CDBG and HOME via Ohio Department of Development, plus Ohio Housing Trust Fund。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program提供最高$30,000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Wayne Metropolitan Housing Authority for City of Wooster, City of Orrville, and Wayne County CHIP Partnership决定。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program在15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：0% deferred second partially forgiven over 5-to-15-year term; final 15% payable when owner moves out. 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。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program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HUD-approved 8-hour homebuyer education (in person or online)提供。 居住要求：Property must be in Wayne County, Ohio (Wooster, Orrville, Rittman)。 CHIP funding is competitive and limited. Published descriptions cite both 10-year (85% forgiven) and 15-year terms; verify current forgiveness schedule with the CHIP Administrator.

Wayne County / Wooster CHIP Homeownership Down Payment 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。 Wayne County CHIP income limits: 1 $48,900; 2 $55,900; 3 $62,900; 4 $69,850; 5 $75,450; 6 $81,050; 7 $86,650; 8 $92,250. 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。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program将房价上限设为$136,400。 符合条件的房屋类型包括Single Family和Manufactured。 新建房屋不符合条件。 预制房屋符合条件。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program服务于在Wooster，Ohio购房的购房者。

Wayne County / Wooster CHIP Homeownership Down Payment Assistance Program的申请通过Wayne Metropolitan Housing Authority for City of Wooster, City of Orrville, and Wayne County CHIP Partnership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Contact CHIP Administrator; Project Review Committees rank applications; limited funds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。