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Program participants are required to attend a First Time Home Buyer class.

The HDCRH offers in-person classes on a bi-monthly basis—classes are held the 2nd Saturday of every other month.

Topics covered include:

Credit and Budgeting.

Financing a home purchase.

Real Estate transactions

The program provides home-buying assistance of up to $10,000 to eligible first-time home buyers.

The assistance is provided as a second mortgage, forgiven at a rate of 20% per year over a 5-year period.

The applicant must retain ownership of the home over this 5-year period for the second mortgage to be fully forgiven.

Basic requirements:

Applicants must complete a first time home buyer class.

Applicants must attend homebuyer counseling

620 minimum credit score

Applicant’s gross annual household income must be below 80% of area median income.

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