Homeownership Incentive Program (HIP 80)

Homeownership Incentive Program (HIP 80)是面向San Antonio，Texas购房者的延期第二贷款。 San Antonio NHSD HIP 80 tier - up to $15,000 deferred 0% DPA for buyers <=80% AMI Bexar County. Lower purchase price ($263K-$278K) and income tier vs HIP 120; HUD HOME-funded. City of San Antonio's HIP 80 - the <=80% AMI tier of the Homeownership Incentive Program - provides up to $15,000 in down payment and closing cost assistance as a deferred 0% second mortgage. Funds may be applied to down payment, closing costs, prepaids. Targeted at low-to-moderate-income buyers at or below 80% AMI San Antonio MSA ($54,150-$102,050 by HH size). Maximum purchase price $263,000-$278,000 by HH size, reflecting HUD HOME 95% area median. 资金来自Local和HOME。

Homeownership Incentive Program (HIP 80)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Full balance due at sale, refinance, transfer of title, or cessation of owner-occupancy. No monthly payments. HOME affordability period applies (5-15 years per HUD HOME rule depending on subsidy amount). 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。

Homeownership Incentive Program (HIP 80)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：620 minimum FICO. 须参加购房者教育课程，由HUD-approved 8-hour homebuyer education required.提供。 居住要求：Property in City of San Antonio limits; primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per HUD HOME rules. Property within City of San Antonio limits. Income at or below 80% AMI San Antonio MSA. Maximum purchase price $263,000-$278,000 by HH size. 620 FICO. 45% DTI. HUD-approved 8-hour homebuyer education required. $500 minimum borrower investment. Owner-occupancy required. Recorded second-lien deed of trust. Balance due at sale, refinance, or non-occupancy. HUD HOME-funded - federal HOME compliance applies.

Homeownership Incentive Program (HIP 80)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。 <=80% AMI San Antonio MSA: range from approximately $54,150 (1-person) to $102,050 (8-person) by household size. Updated annually per HUD. 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。

Homeownership Incentive Program (HIP 80)将房价上限设为$278,000。 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD和1-unit. 新建房屋符合条件。 预制房屋不符合条件。

Homeownership Incentive Program (HIP 80)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。

Homeownership Incentive Program (HIP 80)服务于在San Antonio，Texas购房的购房者。

Homeownership Incentive Program (HIP 80)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Apply through NHSD; subject to annual HOME funding 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。