North Pointe Subdivision Down-payment Assistance

North Pointe Subdivision Down-payment Assistance是面向Florence，South Carolina购房者的可免除贷款。 City of Florence Community Services down-payment and closing-cost assistance up to $30,000 for buyers purchasing a newly constructed home in the North Pointe Subdivision in Florence. Assistance is a 15-year deferred, forgivable second mortgage; the City also pays a 2% realtor commission on behalf of the buyer. Pro-rated repayment is owed if the home is sold or no longer owner-occupied within the 15-year affordability period. Up to $30,000 in down-payment and closing-cost assistance for eligible buyers purchasing a newly constructed home in the North Pointe Subdivision. Assistance is structured as a 15-year deferred, forgivable second mortgage. The City pays a 2% realtor commission on behalf of the buyer. No monthly payments. Fully forgiven at the 15-year anniversary if owner-occupancy is maintained. 资金来自City of Florence local funds and CDBG; HUD Federal/Local。

North Pointe Subdivision Down-payment Assistance在15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, or failure to maintain the property as primary residence within the 15-year term triggers pro-rated repayment of the unforgiven balance to the City. After 15 years 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。

North Pointe Subdivision Down-payment Assistance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 FICO; lender underwriting standards apply. 须参加购房者教育课程，由Buyer must complete a homebuyer education class.提供。 居住要求：Property must be a newly constructed home located in the North Pointe Subdivision. Funds available on a first-come, first-served basis. $25 nonrefundable application fee. Homebuyer education class required. Income eligibility verified. Home must pass inspection by City and/or state prior to closing. Buyer must be approved by a bank or mortgage lender. Property must be a newly constructed home in the North Pointe Subdivision. Buyer must contribute at least $1,000 of own funds. Buyer must identify their realtor (if applicable) on the application form.

North Pointe Subdivision Down-payment Assistance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 within the City of Florence eligible range, approximately 80% AMI for Florence, SC: 1p $39,350; 2p $44,950; 3p $50,550; 4p $56,150; 5p $60,650; 6p $65,150; 7p $69,650; 8p $74,200. All income sources counted. 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。

North Pointe Subdivision Down-payment Assistance的房价上限如下：Determined by the sale price of newly constructed homes in North Pointe Subdivision. 符合条件的房屋类型包括Newly constructed single-family home in the North Pointe Subdivision. 新建房屋符合条件。 预制房屋不符合条件。

North Pointe Subdivision Down-payment Assistance服务于在Florence，South Carolina购房的购房者。 该项目针对特定区域：Strictly restricted to the North Pointe Subdivision (newly constructed homes only) within the City of Florence.

North Pointe Subdivision Down-payment Assistance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Applications submitted to City of Florence Community Services on a first-come, first-served basis; $25 nonrefundable application fee.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。