First - Time Homebuyers Program

First - Time Homebuyers Program es un segundo préstamo diferido para compradores de vivienda en Condado de Dauphin, Pennsylvania. The Dauphin County Affordable Housing Trust Fund (AHTF) First-Time Homebuyers Program provides up to $5,000 in down-payment and closing-cost assistance to income-qualified first-time homebuyers purchasing a primary residence in Dauphin County, PA (outside Harrisburg city limits). The program is funded by the County's recording-fee Affordable Housing Trust Fund and HUD HOME pass-through dollars. Assistance is a 0% interest deferred / forgivable second mortgage with a 5-year affordability period. The program imposes a $195,000 maximum purchase price, which is among the lowest cap of any PA county DPA program. Up to $5,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in Dauphin County (excluding the City of Harrisburg, which has its own program). Provided as a 0% interest deferred / forgivable second mortgage funded by the Dauphin County Affordable Housing Trust Fund. Maximum purchase price $195,000. Los fondos provienen de Local Affordable Housing Trust Fund, HOME y Local Government.

First - Time Homebuyers 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 balance due if buyer sells, refinances with cash-out, transfers title, or ceases primary-residence status during the affordability 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 Homebuyers 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). Sobre el crédito, el programa indica: Underwriting follows first-mortgage product; no published AHTF credit floor. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling agencies serving Dauphin County (commonly Tri County HDC or Neighborworks); pre-purchase 8-hour education certificate required. Requisito de residencia: Property must be located within Dauphin County (excluding the City of Harrisburg) and occupied as 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 prior 3 years), purchase a primary residence in Dauphin County (excluding Harrisburg city limits), and complete HUD-approved homebuyer education. Household income may not exceed 80% HUD AMI for the Harrisburg-Carlisle MSA: 1-person ~$52,850 up to 8-person ~$99,600. Maximum purchase price $195,000. Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

First - Time Homebuyers 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% Harrisburg-Carlisle MSA AMI: 1-person ~$52,850; 4-person ~$75,500; 8-person ~$99,600. 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 Homebuyers Program limita el precio de compra a $195,000. 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 Homebuyers Program atiende a compradores de vivienda que compran en Condado de Dauphin, Pennsylvania.

Las solicitudes de First - Time Homebuyers 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 AHTF 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.