City Lender I - with Down Payment Assistance (City of Columbia)

City Lender I - with Down Payment Assistance (City of Columbia)是面向Columbia，South Carolina购房者的可免除贷款，由City of Columbia Community Development Department管理。 The City of Columbia City Lender I program helps income-eligible buyers purchase a single-family home within the City of Columbia city limits. Financing is structured 80/20: a partner bank holds an 80% first mortgage while the City holds a 20% second mortgage at 4% for 30 years (blended 4% rate, no PMI). The buyer puts only $500 down regardless of sales price. Eligible borrowers may also receive up to $18,500 in down payment/closing cost assistance as a forgivable third mortgage forgiven over 5 years of continuous residence. Maximum purchase price is $225,000. $500 down payment regardless of sales price. Up to $18,500 DPA as a forgivable third mortgage (forgiven over 5 years). City 20% second mortgage at 4% for 30 years. No private mortgage insurance. 资金来自HOME / CDBG federal funds administered by the City of Columbia Community Development Department。

City Lender I - with Down Payment Assistance (City of Columbia)提供最高$18,500的援助。 该项目要求购房者自付$500 down payment regardless of sales price. 该项目可与City Lender I 80/20 first/second mortgage structure.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City of Columbia Community Development Department决定。

City Lender I - with Down Payment Assistance (City of Columbia)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：Sale, transfer, or loss of owner-occupancy before completing 5 years (forgivable third mortgage); City second mortgage repaid per its 30-year amortization or upon sale/transfer. 该援助以City assistance in second (20% City mortgage) and third (forgivable DPA) lien positions behind the partner bank first mortgage.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 Lender I - with Down Payment Assistance (City of Columbia)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：Credit-worthy buyers; HUD-certified credit counseling required before closing. No numeric minimum stated. 须参加购房者教育课程，由Homeownership training by an approved organization/agency/community college or bank-supervised self-study; HUD-certified credit counseling. City of Columbia and Columbia Housing Authority also provide counseling.提供。 Forgivable third-mortgage DPA up to $18,500 forgiven over 5 years of continuous residence (subject to fund availability). City second mortgage is 20% of the loan at 4% for 30 years. No cash back. Contracts must require all loose/flaking/peeling paint repaired before closing and allow at least 45 days to closing. HUD-certified credit counseling and homeownership training required before closing. Applicant cannot own any other improved property at closing. Property must remain owner-occupied while the City holds a mortgage. Companion City Lender II program is temporarily on hold (Dec 2025).

City Lender I - with Down Payment Assistance (City of Columbia)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。 Owner-occupied loans only. Max income by household size (City Lender I, rev. 5/11/2026, Columbia SC HMFA): 1 $51,750; 2 $59,150; 3 $66,550; 4 $73,900; 5 $79,850; 6 $85,750. 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 Lender I - with Down Payment Assistance (City of Columbia)将房价上限设为$225,000。 符合条件的房屋类型包括Single Family。

City Lender I - with Down Payment Assistance (City of Columbia)服务于在Columbia，South Carolina购房的购房者。 目标社区：Single-family homes within the City of Columbia city limits.

City Lender I - with Down Payment Assistance (City of Columbia)的申请通过City of Columbia Community Development Department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。