Homebuyer Assistance Program

Homebuyer Assistance Program是面向Spartanburg，South Carolina购房者的可免除贷款。 Duplicate source-fidelity record for the City of Spartanburg's Homebuyer Assistance Program (same program as record #4) capturing the parallel documentation through CommunityWorks Carolina, who administers homebuyer education and processes income certifications for the program. Same terms apply: up to $20,000 forgivable second mortgage; 0% interest; 20-year affordability term; first-time homebuyers within City of Spartanburg limits; CDBG/HOME/ARPA-funded. Up to $20,000 in down-payment and/or closing-cost assistance for first-time homebuyers purchasing within City of Spartanburg corporate limits. Assistance is a zero-percent-interest deferred forgivable loan with up to a 20-year affordability term. Funded by CDBG, HOME Partnership Investment, and ARPA Treasury funds. (DUPLICATE: same program is documented twice in the source PDF and partner materials. this entry preserves the second source citation through CommunityWorks Carolina.). 资金来自CDBG, HOME Partnership Investment Funds, and Treasury American Rescue Plan Act (ARPA) funds; HUD Federal and Treasury Federal。

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 of home, transfer of title, conversion to non-residential use, failure to maintain as primary residence, or rental of the property within the affordability period triggers repayment of the unforgiven balance. 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。

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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：No published minimum credit score; lender underwriting standards apply. 须参加购房者教育课程，由HUD-approved 8-Hour Homebuyer Education Class required; CommunityWorks Carolina (864-235-6331) administers training; class certificate valid for 12 months and must be on file before closing.提供。 居住要求：Property must be located within the corporate limits of the City of Spartanburg, SC. Priority for purchases in Beaumont, Highland, Northside, and South Converse communities. 公民身份或移民身份：U.S. citizen, U.S. non-citizen national, or qualified alien per Title IV of the Personal Responsibility and Work Opportunity Reconciliation Act of 1996. Must be first-time homebuyer (no homeownership in past 3 years) per CDBG/HOME definition. Buyer must contribute at least $500 toward down payment and closing costs. Pre-qualification by a participating lender required prior to application. Property must pass City International Property Maintenance Code inspection and HUD Part 58.8 environmental review. Third-party home inspection required prior to purchase. Funds are first-come, first-qualified, first-served with priority for the Beaumont, Highland, Northside, and South Converse communities. Income certifications valid for 6 months. Citizenship/qualified-alien status required. Annual residency documentation may be required during the affordability period. Required disclosures include false-statements acknowledgment, public records, conflict-of-interest, and SSN authorization.

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。 Household income at or below 80% of AMI for Spartanburg, SC HUD Metro FMR Area (FY2025): 1p $44,300; 2p $50,600; 3p $56,950; 4p $63,250; 5p $68,350; 6p $73,400; 7p $78,450; 8p $83,500. (For a family of 4, approximately $63,250.). 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。

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 and attached owner-occupied dwellings located within Spartanburg city limits. 新建房屋符合条件。 预制房屋不符合条件。

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：Priority neighborhoods: Beaumont, Highland, Northside, and South Converse within 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First-come, first-qualified, first-served. Applications routed through CommunityWorks Carolina or City of Spartanburg Neighborhood Services Division; pre-award letter issued upon initial review; final approval pending executed contract and HUD environmental review.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。