Richland County Home Ownership Assistance

Richland County Home Ownership Assistance是面向Richland县，South Carolina购房者的可免除贷款。 The Richland County Home-ownership Assistance Program (RCHAP), administered by the Richland County Community Development Office, provides down-payment and closing-cost assistance (or principal reduction) of up to $24,500 to income-eligible first-time homebuyers purchasing single-family detached homes built after 1978 in unincorporated Richland County. Funded by HUD HOME Investment Partnerships. The deferred forgivable second mortgage requires the buyer to live in the home as primary residence for 5 years; if the home is sold or no longer owner-occupied within that period, the assistance is repaid on a pro-rated basis. Buyers must attend a mandatory monthly orientation workshop to receive the application. Deferred forgivable second-mortgage loan of up to $24,500 to assist with down payment and/or closing costs (or principal reduction) for income-eligible first-time homebuyers purchasing in unincorporated Richland County. 5-year affordability period. loan is fully forgiven if buyer maintains the home as primary residence for 5 years. No monthly payments. pro-rated repayment if owner-occupancy lapses. 资金来自HUD HOME Investment Partnerships Program; Federal。

Richland County Home Ownership Assistance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 of title, conversion to non-residential use, or failure to maintain the home as primary residence for the full 5-year period triggers pro-rated repayment of the assistance. After 5 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。

Richland County Home Ownership Assistance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：First-time homebuyer requirement is waived if applicant has not owned property in the last 3 years. 关于信用，该项目说明：No published minimum FICO; lender underwriting standards apply (must secure mortgage independent of co-signer). 须参加购房者教育课程，由Richland County Community Development mandatory Homeownership Assistance Workshop (held monthly, capacity 75 attendees, no walk-ins, registration required); plus required HUD-approved homebuyer education course.提供。 居住要求：Applicant must be a resident of South Carolina. Property must be located in unincorporated Richland County. Must be a resident of South Carolina. Cannot ratify a contract on a home until after completing program requirements. Must qualify as a low- to moderate-income household (HUD income limits). Must be a first-time homebuyer (or have not owned property for the last three years). Mandatory attendance at the monthly Richland County Homeownership Workshop to receive an official application; capacity 75, no children allowed due to limited capacity. Must secure a mortgage independent of a co-signer. Pre-approval letter must be within 30 days of issued date for application submission. No contract is to be ratified on a home without acceptance into the program.

Richland County Home Ownership 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。 Maximum gross household income at or below 80% AMI for Columbia, SC HUD Metro FMR Area (Richland County), FY2025: 1p $51,950; 2p $59,350; 3p $66,750; 4p $74,150; 5p $80,100; 6p $86,050; 7p $91,950; 8p $97,900. Limits updated annually. 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。

Richland County Home Ownership Assistance将房价上限设为$273,000。 符合条件的房屋类型包括Single-family detached dwelling located in unincorporated Richland County, built after 1978. 新建房屋符合条件。 预制房屋不符合条件。

Richland County Home Ownership Assistance服务于在Richland县，South Carolina购房的购房者。

Richland County Home Ownership 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Buyer must register for and attend a monthly Homeownership Assistance Workshop (registration opens about a month prior; capacity 75; no walk-ins). After workshop, buyer receives the official application; submit completed application to Community Development Office along with current pre-approval letter (within 30 days).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。