SC Housing Homebuyer Program

SC Housing Homebuyer Program是面向Statewide，South Carolina购房者的可免除贷款。 SC Housing statewide bond MRB program: 30-year fixed first mortgage + up to $8,500 forgivable second over 20 years. FTHB required (waived in targeted areas / for veterans). The SC Housing Homebuyer Program is SC Housing's bond-funded first-time homebuyer program. It pairs a 30-year fixed-rate first mortgage funded through SC Housing Mortgage Revenue Bonds with up to $8,500 in forgivable down payment / closing-cost assistance. The DPA is a 0%-interest deferred second mortgage forgiven over 20 years of continued owner-occupancy. Eligible loan products include FHA, VA, USDA-RD, and conventional (Fannie Mae HFA Preferred / Freddie Mac HFA Advantage). First-time homebuyer required (waived in federally targeted census tracts and for honorably discharged veterans). Income up to $90,500 (1-2p, non-targeted) / $157,500 (3+p, targeted). Sales price up to $450,000. 640 minimum FICO. 资金来自State和Bond。

SC Housing Homebuyer 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：Forgiven over 20 years of owner-occupancy. Unforgiven balance due on sale, refinance, transfer, or non-owner-occupancy before 20 years. 该援助以2nd Lien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：Federally designated targeted census tracts and honorably discharged veterans waive the first-time-homebuyer requirement. 关于信用，该项目说明：640 minimum representative FICO across all borrowers per SC Housing program guidelines. 须参加购房者教育课程，由HUD-approved counseling agency or SC Housing-approved online provider (Framework, eHome America).提供。 居住要求：Property must be located in South Carolina and serve as borrower's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer required (waived in federally targeted census tracts and for honorably discharged veterans). Owner-occupied principal residence. Income within MRB limits ($90,500 1-2p non-targeted to $157,500 3+p targeted). Sales price up to $450,000. 640 minimum FICO. Homebuyer education required.

SC Housing Homebuyer Program将家庭收入限制在$157,500。 该限制适用于家庭总收入，而不仅是借款人的收入。 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将房价上限设为$450,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

SC Housing Homebuyer Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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服务于在Statewide，South Carolina购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS) where MRB FTHB requirement is waived and higher income/purchase price limits apply.

SC Housing Homebuyer 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Reserved through SC Housing's Lender Online portal at time of rate lock by approved participating lender.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。