First Home First Loan (FHFL) Down Payment Assistance Program

First Home First Loan (FHFL) Down Payment Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Summit، Ohio، وتديره County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County). The County of Summit's First Home First Loan (FHFL) program assists eligible low-to-moderate-income first-time homebuyers residing within Summit County by providing a 3:1 match (up to $12,000) of the buyer's own contribution toward down payment and/or closing costs. Assistance is a 0% interest deferred second-mortgage loan due upon sale, transfer, or when the home stops being the primary residence. Residents buying in Akron, Barberton, or Cuyahoga Falls are ineligible because those cities run their own programs. Up to $12,000 in assistance. 0% interest. Deferred loan (no monthly payments). Covers down payment and/or closing costs. 3:1 match of buyer funds. يأتي التمويل من HOME Investment Partnerships Program (HUD).

يقدم First Home First Loan (FHFL) Down Payment Assistance Program مساعدة تتراوح بين $1,500 و$12,000. يطلب البرنامج من مشتري المنازل المساهمة بـ$500. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County) هي التي تحدد أي مبلغ يُمنح لكل شخص.

First Home First Loan (FHFL) Down Payment Assistance Program مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Due upon sale or transfer of the home, or when the home is no longer used as the applicant's primary residence. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

First Home First Loan (FHFL) Down Payment Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Has not owned a home in the last 3 years; single parent/displaced homemaker who only owned with a former spouse; or someone who only owned a principal residence not on a permanent foundation. بشأن الائتمان، ينص البرنامج على: No stated minimum score; applicant must provide an initial credit report for applicant and co-applicant and meet lender underwriting. يلزم إكمال دورة لمشتري المنازل، عبر HUD-approved certified housing counseling course. شرط الإقامة: Applicant must reside within the County of Summit corporate limits; home purchased must be in Summit County but NOT in Akron, Barberton, or Cuyahoga Falls (those cities run their own programs). Applicant must be a Summit County resident; 3:1 match means buyer contributes minimum $500 (to receive $1,500) up to $4,000 (to receive $12,000). Front-end DTI capped at 31% (PITI) and back-end at 43%. Annual owner-occupancy Occupancy Certificate signed each year. Closing handled by Community Building Partnership of Summit County. income_limit_amount (4-person 80% AMI dollar figure) not stated on page; HUD MSA assumed Akron based on county.

يحدد First Home First Loan (FHFL) Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income must be at or equal to 80% of Area Median Income as published annually by HUD; based on gross income of all household residents over age 18 and 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.

يضع First Home First Loan (FHFL) Down Payment Assistance Program حدًا أقصى لسعر الشراء قدره $163,000. تشمل أنواع العقارات المؤهلة Condo، Single Family وTownhouse. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم First Home First Loan (FHFL) Down Payment Assistance Program مشتري المنازل الذين يشترون في مقاطعة Summit، Ohio.

تُقدَّم طلبات First Home First Loan (FHFL) Down Payment Assistance Program عبر County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served as funding is available; applications currently open. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.