Harvey Homebuyer Assistance Program

Harvey Homebuyer Assistance Program是面向Houston，Texas购房者的可免除贷款。 Hurricane Harvey disaster-recovery DPA (CDBG-DR funded) for Houston homebuyers. Up to $30,000 forgivable second mortgage at 0% interest with 5-year affordability. 120% AMI ceiling. 580 FICO. Borrower must demonstrate Harvey impact connection. City of Houston's Harvey Homebuyer Assistance Program (Harvey HAP) is a Hurricane Harvey disaster-recovery program (CDBG-DR funded) providing up to $30,000 in down payment, closing cost, and principal reduction assistance to homebuyers purchasing primary residences in Houston city limits. Open to households impacted by Hurricane Harvey (August 2017) up to 120% AMI. Structured as a 0% interest deferred forgivable second mortgage with 5-year affordability period (prorated forgiveness). Pairs with FHA, VA, USDA, or conventional 30-year fixed first mortgage. 资金来自Federal。

Harvey Homebuyer Assistance Program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：Deferred 0% second mortgage forgiven prorata over 5 years. If property is sold, refinanced (cash-out), transferred, or vacated as primary residence before 5-year anniversary, unforgiven balance becomes due in full. 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。

Harvey Homebuyer Assistance Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：580 minimum FICO across all products (CDBG-DR program flexibility). 须参加购房者教育课程，由HUD-approved homebuyer education required (8-hour class). Local providers include Avenue CDC, Covenant Community Capital, NeighborhoodCenters, and Houston Area Urban League.提供。 居住要求：Property must be located in the City of Houston city limits and occupied as primary residence throughout 5-year affordability period. 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. Property must be located in the City of Houston city limits. Household income at or below 120% AMI for Houston-The Woodlands-Sugar Land MSA. Borrower must demonstrate connection to Hurricane Harvey impact (resident of Harvey-affected area or displaced household per CDBG-DR rules). Mandatory 8-hour HUD-approved homebuyer education class. 580 FICO minimum. Property must be a single-family detached, condominium, or townhouse used as primary residence. 30-year fixed-rate first mortgage required. CDBG-DR program; subject to federal disaster-recovery rules including environmental review and duplication-of-benefits analysis.

Harvey Homebuyer Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Up to 120% AMI for Houston-The Woodlands-Sugar Land MSA per HUD CDBG-DR; 1-person $66,550 / 4-person $95,000 / 8-person $125,450 (2025 limits). 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。

Harvey Homebuyer Assistance Program的房价上限如下：Per HUD CDBG-DR rules and program overlay; verify with City at application. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Must be primary residence. 新建房屋符合条件。 预制房屋不符合条件。

Harvey Homebuyer Assistance 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。

Harvey Homebuyer Assistance Program服务于在Houston，Texas购房的购房者。 该项目针对特定区域：Hurricane Harvey-affected areas of Houston per CDBG-DR allocation. Targeted census tracts and neighborhoods most impacted by August 2017 Harvey flooding.

Harvey Homebuyer Assistance 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 by participating lender through Houston Housing and Community Development. Funds available subject to CDBG-DR allocation.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。