CommunityWorks City of Spartanburg Homebuyer Assistance Program

CommunityWorks City of Spartanburg Homebuyer Assistance Program是面向Spartanburg，South Carolina购房者的可免除贷款，由CommunityWorks Carolina管理。 Qualified first-time homebuyers purchasing a home in the City of Spartanburg can receive up to $20,000 in down payment and/or closing cost assistance. The assistance is a 0% non-amortizing subordinate loan forgiven over 20 years, administered by CommunityWorks Carolina on behalf of the City of Spartanburg. Buyers must be at or below 80% AMI and purchase a property within Spartanburg city limits (with a GIS eligibility map available). Households with AMI between 80% and 100% may be eligible if purchasing a qualified property. Up to $20,000 forgivable DPA. 0% interest, no monthly payments. Forgiven over 20 years. Available for new and existing homes. 资金来自City of Spartanburg (ARPA/HOME)。

CommunityWorks City of Spartanburg Homebuyer Assistance Program提供最高$20,000的援助。 该项目要求购房者自付$500 minimum buyer contribution。 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CommunityWorks Carolina决定。

CommunityWorks City of Spartanburg Homebuyer Assistance Program在20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, refinance, or property no longer primary residence before term。 该援助以2nd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。

CommunityWorks 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：Not owned in past 3 years qualifies as first-time homebuyer。 须参加购房者教育课程，由ReGenesis (Spartanburg)提供。 Funds currently available (as of 2026-06-13). GIS map required to verify property eligibility within city limits. Third-party home inspection required prior to purchase. Lender must first complete Homebuyer Assistance Application at communityworkscarolina.org.

CommunityWorks 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。 At or below 80% AMI for Spartanburg County (4-person limit $65,700 per 2025 HUD limits). Households 80-100% AMI may qualify for certain properties. 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。

CommunityWorks City of Spartanburg Homebuyer Assistance Program将房价上限设为$237,000。 符合条件的房屋类型包括Single Family和Modular。 新建房屋符合条件。 预制房屋不符合条件。

CommunityWorks City of Spartanburg Homebuyer Assistance Program服务于在Spartanburg，South Carolina购房的购房者。 该项目针对特定区域：Within City of Spartanburg limits only (see https://experience.arcgis.com/experience/0cdf451233de4435affca8a884b74fea/)。

CommunityWorks City of Spartanburg Homebuyer Assistance Program的申请通过CommunityWorks Carolina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。