First Front Door (FFD)

First Front Door (FFD) هو منحة لمشتري المنازل في Delaware، وتديره FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh). First Front Door (FFD) is a homebuyer grant from FHLBank Pittsburgh offered through its member financial institutions in Delaware, Pennsylvania and West Virginia. First-time homebuyers at or below 80% AMI who contribute at least $1,500 of their own funds can receive up to $15,000 toward down payment and closing costs. The grant carries a 5-year retention period secured by a deed restriction, with prorated recapture on early sale or refinance. Up to $15,000 toward down payment and closing costs. No monthly payments. Forgiven after 5 years of ownership. Can be combined with other assistance. Works with FHA, VA, USDA and conventional first mortgages. يأتي التمويل من FHLBank Pittsburgh member-funded voluntary housing grant program (Affordable Housing Program set-aside).

يقدم First Front Door (FFD) مساعدة تصل إلى $15,000. فئات المنحة: Two products: First Front Door (FFD, ≤80% AMI) and First Front Door Keys (≤120% AMI, first-generation first-time homebuyers). مساهمة مشتري المنزل: Homebuyer must contribute a minimum of $1,500 in personal funds toward down payment and closing costs. يمكن الجمع بين البرنامج وCan be layered with other down payment / closing-cost assistance programs subject to member and program rules. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh) هي التي تحدد أي مبلغ يُمنح لكل شخص.

First Front Door (FFD) مصمَّم كمنحة، لذا لا يُسدَّد. يُستحق السداد عند Repayment of a prorated portion of the grant is required if the home is sold or refinanced within the 5-year retention period; the obligation is secured by a Real Estate Retention Agreement (deed restriction). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

First Front Door (FFD) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer = has not owned an eligible property used as a primary residence in the last three years. If purchasing jointly, at least one buyer must meet the three-year test. Also includes a person who previously owned jointly and is now buying independently, and owners of an investment property they have not lived in. بشأن الائتمان، ينص البرنامج على: Not set by FFD; determined by the participating member's first-mortgage underwriting. يلزم إكمال دورة لمشتري المنازل، عبر At least 4 hours of homeownership counseling (including predatory lending) prior to purchase, through a HUD-approved or FHLBank-approved counseling agency; online options include eHome America, Framework, Fannie Mae HomeView, Freddie Mac CreditSmart, and PHFA online counseling. Available only through participating FHLBank Pittsburgh members. Lien position, max purchase price, credit score and DTI are set by the member's first-mortgage underwriting and were not specified on the FFD program page (left null). Funds are limited and awarded first-come, first-served during an annual round.

يحدد First Front Door (FFD) دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income must be at or below 80% of the area median income (AMI) at the time of registration, as published by HUD for the property location/household size. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام First Front Door (FFD) لـSingle Family، Condo وTownhouse.

يخدم First Front Door (FFD) مشتري المنازل الذين يشترون في أي مكان في Delaware.

تُقدَّم طلبات First Front Door (FFD) عبر FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Members submit reservation requests during an annual open funding round; FHLBank processes/approves completed reservations within 10 business days on a first-come, first-served basis until funds are exhausted. 2026 round opens May 19, 9 a.m. Eastern. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.