Memphis Homebuyer Program Incentive Citizens (HIPC)

Memphis Homebuyer Program Incentive Citizens (HIPC)是面向Memphis，Tennessee购房者的可免除贷款，由City of Memphis Division of Housing & Community Development (HCD)管理。 The City of Memphis HCD Homebuyer Program Incentive Citizens (HIPC) provides down payment and closing cost assistance to homebuyers purchasing within 15 designated revitalization areas of Memphis. Assistance is a forgivable, deferred-payment loan not exceeding $25,000 or 10% of the sales price, secured by a five-year lien with no monthly payments. Unlike the income-restricted Citywide DPA, HIPC allows incomes up to 200% of area median income. Up to $25,000 or 10% of sales price. 0% interest, no monthly payments. Forgiven after 5 years. High 200% AMI income ceiling. Covers down payment and closing costs. 资金来自HUD HOME funds / City of Memphis HCD.

Memphis Homebuyer Program Incentive Citizens (HIPC)提供最高$25,000的援助。 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City of Memphis Division of Housing & Community Development (HCD)决定。

Memphis Homebuyer Program Incentive Citizens (HIPC)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, or failure to maintain as primary residence before the 5-year lien term is satisfied. 该援助以Second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。

Memphis Homebuyer Program Incentive Citizens (HIPC)面向将房屋作为主要住所自住的购房者。 居住要求：Within Memphis city limits, in one of 15 HIPC-designated areas (zips 38106,38107,38108,38109,38114,38116,38118,38122,38126,38127,38128 plus Beltline, Binghampton/Highland Heights, Hickory Hill, Carnes Neighborhood). Owner-occupied primary residence; 5-year lien. Purchase within one of 15 HIPC-designated areas. Application through the first mortgage lender. Income/price limits are 2023 HUD figures, updated annually; confirm current-year. FTHB requirement, credit score, DTI not specified.

Memphis Homebuyer Program Incentive Citizens (HIPC)将家庭收入限制在地区收入中位数的200%，该数值因县和家庭人数而异。 Max income 200% of Shelby County AMI (2023 HUD, eff 6/1/2023): 1 $110,060; 2 $116,640; 3 $123,120; 4 $129,600; 5 $134,800; 6 $140,000; 7 $145,200; 8 $150,340. (Shelby 4-person median $81,000.). 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。

Memphis Homebuyer Program Incentive Citizens (HIPC)将房价上限设为$350,000。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

Memphis Homebuyer Program Incentive Citizens (HIPC)服务于在Memphis，Tennessee购房的购房者。 该项目针对特定区域：15 HIPC-designated revitalization areas within Memphis.

Memphis Homebuyer Program Incentive Citizens (HIPC)的申请通过City of Memphis Division of Housing & Community Development (HCD)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 made through the first mortgage 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。