Middle Income Homeownership Program

Middle Income Homeownership Program是面向San Antonio，Texas购房者的可免除贷款。 Opportunity Home San Antonio's middle-income DPA program providing up to $30,000 forgivable second mortgage for FTHBs at or below 80% AMI in Bexar County. 0% interest, 10-year forgiveness, $500 minimum borrower contribution. Opportunity Home San Antonio's Middle Income Homeownership Program provides up to $30,000 in down payment and closing cost assistance as a deferred forgivable second mortgage. The loan carries 0% interest with no monthly payments and is forgiven over a 10-year period of continued owner-occupancy. Funds may be used for down payment, closing costs, prepaid items, and minor home repairs/improvements at closing. The program is targeted at moderate to middle-income households earning up to 80% of San Antonio MSA AMI ($49,150-$92,700 by household size). 资金来自Local、HOME和Public Housing Authority。

Middle Income Homeownership Program在10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 10% per year over 10 years of continued owner-occupancy. Pro-rata recapture if sold, refinanced, or no longer owner-occupied during forgiveness period. 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。

Middle Income Homeownership 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：FTHB requirement waived for qualifying displaced homemakers and single parents per HUD definitions. 关于信用，该项目说明：620 minimum FICO; some lenders may require 640+ per overlay. 须参加购房者教育课程，由HUD-approved housing counseling agency homebuyer education required (8-hour course); SA-area providers include Alamo Community Group, Family Service Association, NHS San Antonio, and online via eHome America.提供。 居住要求：Property must be in Bexar County, owner-occupied as primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. Must be first-time homebuyer (no homeownership in past 3 years) or qualifying displaced homemaker. Property must be located within Bexar County / San Antonio MSA. Owner-occupancy required for full forgiveness term. Borrower must complete HUD-approved 8-hour homebuyer education before closing. Income at or below 80% AMI San Antonio MSA. Minimum borrower investment of $500. Recorded second-lien deed of trust; subordination per Opportunity Home policy.

Middle Income Homeownership Program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。 Income limits scale by household size at 80% AMI San Antonio-New Braunfels MSA: ranging from approximately $49,150 (1 person) to $92,700 (8 person). Updated annually by 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。

Middle Income Homeownership Program的房价上限如下：No published hard maximum; appraisal/affordability per program guidelines. 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD和1-unit only. 新建房屋符合条件。 预制房屋不符合条件。

Middle Income Homeownership 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。

Middle Income Homeownership Program服务于在San Antonio，Texas购房的购房者。

Middle Income Homeownership 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Apply directly to Opportunity Home San Antonio; awards subject to annual funding availability.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。