NHS Closing Cost Assistance Loan Program (CCAL)

NHS Closing Cost Assistance Loan Program (CCAL)是面向Reading，Pennsylvania购房者的补助金。 The NHS Closing Cost Assistance Loan (CCAL) is NHS Greater Berks's universal closing-cost product. Unlike the FHA Closing Cost Assistance Loan (which is restricted to FHA first mortgages), CCAL can pair with any first-mortgage product including NHS's own HOP loan. CCAL provides up to $10,000 as a small amortizing second-lien loan at a below-market fixed rate, repayable in monthly installments over the loan term. CCAL helps buyers cover closing costs, pre-paid escrows, and settlement fees in a market where seller concessions are constrained. Up to $10,000 in closing-cost assistance available with any first-mortgage product (FHA, VA, USDA, Conventional, or NHS HOP). Provided as a small amortizing second-lien loan from NHS Greater Berks at a fixed below-market rate, used exclusively for closing costs / pre-paid escrows / settlement fees that the buyer cannot otherwise cover. 资金来自NHS CDFI capital、PHFA Housing Trust Fund和FHLB AHP。

NHS Closing Cost Assistance Loan Program (CCAL)属于补助金，因此无需偿还。 触发还款的情形：Standard monthly amortization over the loan term和balance due on sale, refinance with cash-out, or transfer. 该援助以2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。

NHS Closing Cost Assistance Loan Program (CCAL)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由NHS Greater Berks HUD-approved housing counseling program; pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be located within NHS Greater Berks's Berks County / Reading service area and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen。 Buyer must occupy the property as primary residence, complete NHS pre-purchase counseling and 8-hour homebuyer education, and meet a 620 minimum FICO. Household income approximately $52,500 to $129,872. Property must be located in NHS Greater Berks's Berks County / Reading service area. CCAL is structured as a small amortizing second mortgage and is layered behind any first-mortgage product, including FHA, VA, USDA, Conventional, or NHS HOP.

NHS Closing Cost Assistance Loan Program (CCAL)将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Household income approximately $52,500 (1-person) up to $129,872 (8-person, ~140% Reading MSA AMI). Limits updated annually. 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。

NHS Closing Cost Assistance Loan Program (CCAL)的房价上限如下：Tracks NHS Greater Berks underwriting guidelines and the first-mortgage product。 符合条件的房屋类型包括Single-family detached、Townhouse、Condominium和2-4 unit (owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

NHS Closing Cost Assistance Loan Program (CCAL)服务于在Reading，Pennsylvania购房的购房者。 该项目针对特定区域：Berks County, PA and the City of Reading。

NHS Closing Cost Assistance Loan Program (CCAL)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First-come, first-served; applicants apply through NHS Greater Berks lending team after first-mortgage pre-approval.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。