First-Time Home Buyers Program

First-Time Home Buyers Program es un segundo préstamo diferido para compradores de vivienda en Condado de Monroe, Pennsylvania. The Monroe County Redevelopment Authority First-Time Home Buyers Program provides up to $10,000 in down-payment and closing-cost assistance to income-qualified first-time homebuyers purchasing a primary residence anywhere in Monroe County, PA. The program is funded through HUD HOME pass-through dollars administered by the Monroe County RDA. Assistance is recorded as a 0% interest deferred / forgivable second mortgage with a 5-year affordability period; the lien is forgiven pro-rata as long as the buyer continues to occupy the property as their primary residence. The program is targeted at the Pocono housing market. Up to $10,000 in down-payment and closing-cost assistance as a 0% interest deferred / forgivable second mortgage for first-time homebuyers purchasing a primary residence in Monroe County (Pocono area). Funds are HUD HOME pass-through dollars and are forgiven on a pro-rata basis over the 5-year affordability period if the buyer remains in the home as their primary residence. Los fondos provienen de HOME, Federal y Local Government.

First-Time Home Buyers Program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Forgiven pro-rata over a 5-year affordability period y full balance due if the buyer sells, refinances with cash-out, transfers title, or ceases to occupy the home as primary residence within the 5-year period. La ayuda se registra con un gravamen en posición 2. 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 Home Buyers 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: First-time homebuyer (no ownership of principal residence in prior 3 years) or displaced homemaker. Sobre el crédito, el programa indica: Underwriting follows the buyer's first-mortgage product; no published RDA credit floor. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling agencies serving Monroe County; pre-purchase homebuyer education certificate required prior to closing. Requisito de residencia: Property must be located in Monroe County, PA and be the buyer's primary residence for the 5-year affordability period. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by HUD HOME rules. Buyer must be a first-time homebuyer (no ownership of principal residence in the prior 3 years) or a displaced homemaker. Property must be located in Monroe County, PA, and be the buyer's primary residence for the duration of the affordability period. Household income may not exceed 80% of HUD AMI for the Monroe County (East Stroudsburg, PA HMFA): 1-person ~$63,437 up to 8-person ~$119,625. Buyer must complete HUD-approved homebuyer education and contribute a minimum of 1% of the purchase price from their own funds. Property must pass a HUD HQS / lead-based paint inspection. Loan is recorded as a second mortgage and forgiven over a 5-year affordability period.

First-Time Home Buyers 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% Monroe County (East Stroudsburg, PA HMFA) AMI: 1-person ~$63,437; 4-person ~$90,650; 8-person ~$119,625. Limits updated annually by HUD. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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 Home Buyers Program limita el precio de compra así: Maximum purchase price tracks HUD HOME 95% area median purchase price for Monroe County. Los tipos de propiedad elegibles incluyen Single-family detached, Townhouse y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

First-Time Home Buyers Program atiende a compradores de vivienda que compran en Condado de Monroe, Pennsylvania.

Las solicitudes de First-Time Home Buyers 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 First-come, first-served subject to annual HUD HOME funding allocation; applicants apply directly through Monroe County RDA after lender pre-approval. 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.