For many first-time homebuyers or low-to-moderate-income families, down payments and closing costs are often the biggest obstacles to buying a home. But did you know that homebuyer assistance programs are widely available in many states and counties?

These subsidies are typically issued as forgivable grants. Eligible buyers can receive up to $15,000 in funds to cover down payment or closing costs, with no repayment required. Cheryl’s Team helps you access these valuable benefits, enabling you to buy your dream home with minimal out-of-pocket expenses.

Generous Grant Amounts Across Multiple States

Cheryl’s Team can assist you in applying for grant support in the following areas:

• California: Up to $15,000

• Massachusetts: Up to $15,000

• North Carolina & South Carolina (NC/SC): Up to $5,000

While specific geographic and income requirements vary by state and county, the conditions are generally not restrictive and are well-suited for first-time homebuyers.

Not Just for First-Time Buyers

Unlike traditional “first-time homebuyer grants,” the assistance programs we help with are not limited to those who have never owned a home. As long as you don’t own other properties at the time of the transaction, you may still be eligible, even if you’ve purchased a home before. This primary home grant program is inclusive by design, allowing more families to benefit.

Flexible Household Income Standards

Most grant programs use the Median Family Income (MFI) of the relevant county as a reference. Generally, a household’s income must not exceed 150% of the MFI. However, if you’re a first-generation homeowner or buying in a majority/minority community, the income limit can be raised to 200%.

For example:

• Los Angeles County: The limit is approximately $196,000.

• Orange County: The limit is approximately $255,000.

• Boston/Suffolk County: The limit is up to $298,000.

These standards are very favorable for many working families and new entrepreneurs, making a broad range of applicants eligible.

End-to-End Service from Application to Closing

When you apply for a government-assisted loan program through Cheryl’s Team, you get a complete, one-stop service:

• Initial eligibility assessment

• Guidance for the grant application

• Matching with a suitable loan product (such as FHA, Conventional, Jumbo, etc.)

• Seamless closing coordination

Our professional bilingual consultants will support you throughout the entire process, ensuring you successfully obtain the grants and complete your home purchase.

Don’t let these subsidy opportunities pass you by. Contact the Cheryl’s Team today to create the optimal loan and grant combination and take a solid step toward your dream home.