Homebuyers Assistance Program (HAP)

Homebuyers Assistance Program (HAP)是面向Chester，Pennsylvania购房者的可免除贷款。 City of Chester (Delaware County) HOME/CDBG-funded FTHB DPA. Up to $10,000 down payment + $5,000 closing cost assistance as 0% forgivable soft second forgiven at 5 years. Chester city limits, FTHB, 80% AMI, mandatory counseling. Chester Economic Development Authority (CEDA) Homebuyers Assistance Program (HAP) provides HUD HOME and CDBG-funded down payment and closing cost assistance up to $10,000 (down payment) and $5,000 (closing costs) to qualifying first-time homebuyers purchasing in the City of Chester PA (Delaware County). The DPA is a 0% interest deferred forgivable second mortgage forgiven at 5 years per HUD HOME affordability rules. Pairs with FHA, VA, USDA, or Conventional first mortgage. Income range $62,500-$117,850 reflects approximately 80% AMI for Chester city/Delaware County area. NOTE: City of Chester is in DELAWARE COUNTY (not Chester County). 资金来自Federal、HOME和CDBG。

Homebuyers Assistance Program (HAP)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：5-year HUD HOME affordability period. If property is sold/refi/transferred or borrower vacates within 5 years, unforgiven balance due in full. Forgiven at 5 years of continuous owner-occupancy. 该援助以2nd Lien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。

Homebuyers Assistance Program (HAP)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time homebuyer required (no ownership in past 3 years), with HUD HOME exceptions for displaced homemakers and single parents. 关于信用，该项目说明：Per first-mortgage product (typically 620-640 minimum). 须参加购房者教育课程，由HUD-approved homebuyer counseling agencies including Diversified Community Services and other regional HUD-approved providers.提供。 居住要求：Property must be located in the City of Chester (Delaware County PA) and used as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product and HUD HOME rules. Property must be located within the City of Chester (Delaware County PA). First-time homebuyer required (no ownership in past 3 years). Income at or below 80% AMI for Chester city/Delaware County (range $62,500-$117,850 1p-8p). Borrower must complete pre-purchase homebuyer counseling at HUD-approved agency. Property must be borrower's primary residence. Soft second forgiven at 5 years of continuous owner-occupancy per HUD HOME rules. NOTE: City of Chester is in DELAWARE COUNTY, not Chester County.

Homebuyers Assistance Program (HAP)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。 Income range $62,500-$117,850 reflects approximately 80% AMI for Chester city/Delaware County area for household sizes 1-8. 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。

Homebuyers Assistance Program (HAP)的房价上限如下：Per HUD HOME 95% area median sales price for Delaware County and first-mortgage loan limits. 符合条件的房屋类型包括1- to 2-unit owner-occupied primary residence (single-family detached, duplex, townhouse). 新建房屋符合条件。 预制房屋不符合条件。

Homebuyers Assistance Program (HAP)在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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。

Homebuyers Assistance Program (HAP)服务于在Chester，Pennsylvania购房的购房者。 该项目针对特定区域：City of Chester is a HUD-designated low-income community with concentrated CDBG/HOME investment. CEDA prioritizes neighborhood revitalization corridors within Chester.

Homebuyers Assistance Program (HAP)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply directly to CEDA. Funds reserved on first-come, first-served basis subject to allocation.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。