SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative是面向South Carolina购房者的可免除贷款，由South Carolina State Housing Finance and Development Authority (SC Housing)管理。 A Community Lending Initiative sub-tier of the SC Housing Homebuyer (Bond) Program for first-time homebuyers whose parents did not own a home. Borrower self-certifies first-generation status via a certification form at application. Provides the same $10,000 forgivable 15-year DPA and Bond first mortgage benefits as the standard program. Available on FHA, USDA, and VA loan products only. $10,000 forgivable DPA (0% interest, no monthly payment, 15-year term); competitive fixed-rate first mortgage; targets first-generation buyers whose parents never owned a home. 资金来自SC Housing Bond Program (tax-exempt mortgage revenue bonds)。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative提供$10,000至$10,000的援助。 援助档次：First-Generation Homebuyer $10,000 Forgivable DPA: 15-year (180-month) forgivable second mortgage, 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. 购房者自付部分：No minimum borrower contribution unless required by AUS。 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South Carolina State Housing Finance and Development Authority (SC Housing)决定。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative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, refinance, or property no longer borrower's primary residence prior to 15-year maturity。 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。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative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：Standard 3-year lookback applies. Veterans may use one-time exemption but must still certify first-generation status. 关于信用，该项目说明：640 minimum FICO for all borrowers。 须参加购房者教育课程，由Fannie Mae HomeView; Freddie Mac CreditSmart; any HUD-approved homebuyer education course; completed within 12 months prior to closing by at least one borrower提供。 公民身份或移民身份：US Citizen or Permanent Resident Alien with valid Green Card (I-551); VISA holders not eligible。 Borrower must be a first-time homebuyer (no ownership interest prior 3 years) AND neither parent owned a home (first-generation). Must sign First-Generation Homebuyer Certification at application. FHA/USDA/VA only. 640 min FICO, 45% max DTI, homebuyer education, primary residence, county income/price limits. DPA term: 15-year forgivable second at 0% interest, no monthly payments; repayable upon sale/refinance/loss of primary residency before maturity. Subordination not permitted.

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative的收入限制如下：County-specific income limits per SC Housing 2025/2026 chart. Non-targeted: $90,500-$112,200 (1-2 persons), $104,075-$129,030 (3+). Targeted up to $135,000/$157,500. 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。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative将房价上限设为$450,000。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative在其服务群体中提到了第一代购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative服务于在South Carolina任何地方购房的购房者。

SC Housing Homebuyer Program - First-Generation Homebuyer Community Lending Initiative的申请通过South Carolina State Housing Finance and Development Authority (SC Housing)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SC Housing Lender Online (lol.schousing.com)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。