HOME Blend Program

HOME Blend Program是面向Charleston，West Virginia购房者的可免除贷款。 City of Charleston HUD HOME-funded HOME Blend forgivable second mortgage up to $14,999, 5-year forgiveness, 50% AMI very-low-income tier. First-time homebuyers only. Charleston city limits. City of Charleston HOME Blend Program provides a deferred 0% forgivable second mortgage up to $14,999 for down payment, closing-cost, and (where eligible) minor rehabilitation assistance to very-low-income first-time homebuyers in the City of Charleston, WV. HUD HOME-funded. Forgiven over 5 years of continuous owner-occupancy (20% per year per HUD HOME 24 CFR 92.254). No monthly payment. If borrower sells/refinances/vacates within 5 years, unforgiven balance is due. Income limited to 50% HUD AMI ($37,200 1p - $53,100 4p per 2024-25 HUD limits for Charleston MSA). Purchase price up to $144,400 (HUD HOME 95% area median for Charleston MSA). HUD-approved housing counseling required. Property must pass HQS inspection. 资金来自Federal和HOME。

HOME Blend 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：0% deferred forgivable second mortgage. Forgiven 20% per year over 5 years of continuous owner-occupancy. Unforgiven balance due in full on sale, refinance, transfer, or non-owner-occupancy during 5-year affordability period. No monthly payment. 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。

HOME Blend 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：First-time homebuyer required (no primary residence ownership in past 3 years). Standard HUD HOME exception for displaced homemakers and single parents. 关于信用，该项目说明：620 minimum FICO typical (verify with first-mortgage lender). 须参加购房者教育课程，由HUD-approved housing counseling required. Homeownership Center Inc (HOC) is the primary local provider.提供。 居住要求：Property must be located within City of Charleston city limits, WV. 公民身份或移民身份：U.S. citizen or qualifying lawful permanent resident. First-time homebuyer (no primary residence ownership in past 3 years). Property must be located within City of Charleston city limits. Owner-occupied primary residence. Income at or below 50% HUD AMI (very-low-income tier). Maximum 45% DTI. HUD-approved homebuyer education required. Minimum borrower contribution typically $500 from own funds. Property must pass HQS inspection.

HOME Blend Program将家庭收入限制在地区收入中位数的50%，该数值因县和家庭人数而异。 Household income at or below 50% HUD Area Median Income (AMI) for Charleston MSA. 2024-25 limits: $37,200 (1p), $42,500 (2p), $47,800 (3p), $53,100 (4p). 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。

HOME Blend Program将房价上限设为$144,400。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays. 新建房屋符合条件。 预制房屋不符合条件。

HOME Blend 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。

HOME Blend Program服务于在Charleston，West Virginia购房的购房者。

HOME Blend 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Direct application to City of Charleston Planning & Development. First-come, first-served subject to annual HOME 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。