City of Spartanburg Homebuyer Assistance Program

City of Spartanburg Homebuyer Assistance Program是面向Spartanburg，South Carolina购房者的可免除贷款。 HOME-funded city DPA program for first-time homebuyers in City of Spartanburg. Up to $20,000 forgivable second over 10 years at 0% interest. The City of Spartanburg Homebuyer Assistance Program is a HOME-funded place-based DPA program administered by Community Works on behalf of the City of Spartanburg. Up to $20,000 in DPA is structured as a 0%-interest forgivable second mortgage, deferred and forgiven over 10 years of continued owner-occupancy. Property must be located within City of Spartanburg city limits. Sales price up to $191,000 (existing) / $251,000 (new construction). Income up to 80% AMI Spartanburg MSA ($42,150 1p / $79,400 8p). Eligible loan products include FHA, VA, USDA-RD, and conventional. 资金来自Federal和HOME。

City of Spartanburg Homebuyer Assistance Program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：Forgiven over 10 years of continued owner-occupancy. Unforgiven balance due on sale, refinance, transfer, or non-owner-occupancy before 10 years. 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。

City of Spartanburg Homebuyer 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。 此处的“首次”有例外情况：No prior ownership in past 3 years per HUD HOME definition of first-time homebuyer. 关于信用，该项目说明：620 minimum representative FICO across all borrowers per Community Works underwriting guidelines. 须参加购房者教育课程，由Community Works HUD-approved homebuyer education and one-on-one counseling.提供。 居住要求：Property must be located within City of Spartanburg city limits (Spartanburg County, SC) and serve as borrower's principal residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME requirements. Property must be located within City of Spartanburg city limits. First-time homebuyer required. Owner-occupied principal residence. Household income at or below 80% AMI Spartanburg MSA ($42,150 1p / $79,400 8p). Sales price $191,000 max existing / $251,000 max new construction. 620 minimum FICO. HUD-approved homebuyer education required prior to closing. $1,000 minimum borrower contribution.

City of Spartanburg Homebuyer 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。 80% AMI Spartanburg MSA HUD HOME limits. $42,150 (1-person) - $79,400 (8-person). 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。

City of Spartanburg Homebuyer Assistance Program将房价上限设为$251,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

City of Spartanburg Homebuyer Assistance Program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。

City of Spartanburg Homebuyer Assistance Program服务于在Spartanburg，South Carolina购房的购房者。

City of Spartanburg Homebuyer Assistance Program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Application submitted directly to Community Works at time of 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。