Housing Development Corp. of Rock Hill First Time Home Buyer Program

Housing Development Corp. of Rock Hill First Time Home Buyer Program是面向Rock Hill，South Carolina购房者的可免除贷款。 The Housing Development Corporation of Rock Hill (HDC), the affiliated nonprofit housing entity for the City of Rock Hill, runs a First-Time Home Buyer (FTHB) Program providing certified homebuyer education, one-on-one counseling, and up to $7,500 in down-payment and closing-cost assistance for income-eligible first-time buyers purchasing within Rock Hill city limits. Assistance is structured as a forgivable second mortgage that is forgiven over a 5-year affordability period (with longer terms for layered fund sources up to 20 years). The City of Rock Hill funds and supports HDC; programs are funded through CDBG, HOME, City of Rock Hill housing funds, and partner sources. Up to $7,500 in down-payment and closing-cost assistance for first-time homebuyers purchasing within City of Rock Hill city limits. Assistance is a forgivable second mortgage forgiven in increments annually over a 5-year period (program also offers 5-20 year forgiveness terms depending on layered funding source). Includes certified First-Time Home Buyer education class plus one-on-one housing counseling at no cost. 资金来自CDBG, HOME, City of Rock Hill housing funds; HUD Federal and Local。

Housing Development Corp. of Rock Hill First Time Home Buyer Program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 of home, transfer of title, conversion to non-residential use, or failure to maintain as primary residence within the 5-year affordability period triggers repayment of the unforgiven balance. After year 5 the lien is released. 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。

Housing Development Corp. of Rock Hill First Time Home Buyer 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：Minimum FICO of 620. 须参加购房者教育课程，由Housing Development Corporation of Rock Hill (HDC) certified First-Time Home Buyer Class (offered both in-person and online); covers budgeting, mortgage loans, real estate transactions, and DPA programs. Required to qualify for assistance. Plus one-on-one credit, budget, and home-purchase counseling.提供。 居住要求：Property must be located within the corporate limits of the City of Rock Hill, SC. Must be first-time homebuyer (no homeownership in past 3 years). Must complete the HDC First-Time Home Buyer Class. Property must be located within City of Rock Hill city limits and serve as primary residence. Minimum credit score of 620. Debt-to-income ratio below 57%. Reserves equal to at least 1.5% of the home price required. Household income below 80% AMI. Funding limited and provided on first-come, first-served basis.

Housing Development Corp. of Rock Hill First Time Home Buyer 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 must be at or below 80% AMI for the Rock Hill / Charlotte-Concord-Gastonia metro area (York County, SC), FY2025: 1p $59,400; 2p $67,900; 3p $76,400; 4p $84,850; 5p $91,650; 6p $98,450; 7p $105,250; 8p $111,950. 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。

Housing Development Corp. of Rock Hill First Time Home Buyer Program的房价上限如下：No published maximum purchase price; assistance amount is fixed and limited to $7,500. 符合条件的房屋类型包括Newly constructed or existing single-family homes、condominiums and townhomes和modular homes on a permanent foundation. All within Rock Hill city limits and used as primary residence. 新建房屋符合条件。 预制房屋不符合条件。

Housing Development Corp. of Rock Hill First Time Home Buyer Program服务于在Rock Hill，South Carolina购房的购房者。

Housing Development Corp. of Rock Hill First Time Home Buyer 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 to HDC after completion of First-Time Home Buyer class and one-on-one counseling. Pre-screening application available online. Funding first-come, first-served.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。