First Time Homebuyer (FTHB) Program

First Time Homebuyer (FTHB) Program es un préstamo condonable para compradores de vivienda en Statewide, Kansas. KHRC's flagship federal HOME-funded FTHB program provides a 0% forgivable second mortgage of 15-20% of the purchase price (income-tiered) up to $40,000, forgiven over 10 years. 80% AMI ceiling. 1% borrower contribution. Statewide except Johnson County and the cities of Topeka, Lawrence, Wichita, and Kansas City (which administer their own HOME funds). KHRC FTHB provides a 0% interest forgivable second-mortgage loan funded with federal HOME funds. Loan amount is income-tiered: up to 20% of the home's purchase price for households at or below 50% AMI, or up to 15% of the purchase price for households between 51% and 80% AMI - capped at $40,000. The loan has no monthly payments, no interest accrual, and is forgiven in full if the borrower remains in the home as their primary residence for 10 years. Borrowers must contribute at least 1% (and no more than 10%) of the purchase price out-of-pocket. Pairs with the borrower's choice of a 30-year fixed first mortgage from a KHRC participating lender. Los fondos provienen de Federal, HOME y State.

First Time Homebuyer (FTHB) Program ofrece una ayuda equivalente al 20% del precio de compra, según lo fija el programa. Aporte del comprador de vivienda: Borrower must contribute at least 1% of purchase price from own funds; not more than 10%. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

First Time Homebuyer (FTHB) Program se perdona después de 10 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Forgiven in full at 10-year anniversary if owner-occupies entire term y due in full on sale, refinance, transfer, or vacating the property before 10 years (pro-rata forgiveness may apply per program guidelines). La ayuda se registra con un gravamen en posición 2nd Lien. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

First Time Homebuyer (FTHB) Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Displaced homemakers, single parents who only owned a home with an ex-spouse, and prior owners of manufactured homes without permanent foundation may qualify as FTHB. Sobre el crédito, el programa indica: No minimum credit score imposed by KHRC; participating lender / first-mortgage product overlays apply (typically 620-640). Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling agencies and KHRC-approved homebuyer education providers (e.g., Housing and Credit Counseling Inc., Catholic Charities, Habitat for Humanity affiliates). Pre-purchase counseling required. Requisito de residencia: Property must be located in eligible KHRC service area (Kansas excluding Johnson County, Topeka, Lawrence, Wichita, Kansas City) and used as primary residence. Ciudadanía o situación migratoria: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer required (no homeownership in past 3 years; exceptions for displaced homemakers, single parents, and former owners of manufactured homes without permanent foundation). Household income at or below 80% AMI for the county of purchase. Purchase price at or below KHRC county-tiered limits ($219,000-$328,000 by county; $209,000 most common). Borrower must contribute 1%-10% of purchase price from own funds. Must occupy as primary residence for 10 years to fully realize forgiveness. Property must NOT be in Johnson County or within the city limits of Topeka, Lawrence, Wichita, or Kansas City (those jurisdictions administer their own federal HOME funds). Pre-purchase homebuyer counseling required.

First Time Homebuyer (FTHB) Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income at or below 80% AMI (Area Median Income) for the county of purchase, per HUD HOME Program income limits. Range approximately $17,500 (1-person extreme low tier) to $117,650 (large household, higher-AMI county) per 2024 HOME limits effective 6/1/24. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

First Time Homebuyer (FTHB) Program limita el precio de compra a $328,000. Los tipos de propiedad elegibles incluyen Single-family detached, condominium, townhouse, half of duplex (one side owner-occupied), manufactured home on permanent foundation, new construction. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

First Time Homebuyer (FTHB) Program menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional y cónyuges sobrevivientes entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

First Time Homebuyer (FTHB) Program atiende a compradores de vivienda que compran en Statewide, Kansas.

Las solicitudes de First Time Homebuyer (FTHB) Program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Eligible borrowers complete KHRC online intake form; KHRC staff follows up with eligibility determination and connects borrower with a participating lender. Subject to annual HOME allocation. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.