FHLBank Atlanta First-Time Homebuyer Product

FHLBank Atlanta First-Time Homebuyer Product è un prestito condonabile per chi compra casa in Baltimore, Maryland. FHLBank Atlanta Affordable Housing Program 'First-time Homebuyer Product' (FHP). Up to $17,500 forgivable assistance (5-year retention) for first-time buyers at 80% AMI. Funded by FHLB Atlanta; disbursed through member-institution lenders. Available statewide (and across FHLB Atlanta district: AL/DC/FL/GA/MD/NC/SC/VA); Live Baltimore is a Baltimore-City community partner. Up to $17,500 in down payment, closing cost, and/or rehabilitation assistance for first-time homebuyers (increased from $12,500 in 2024 to $17,500 in 2025-2026). Structured as a 5-year forgivable second mortgage retention agreement, secured by a deed restriction. Funded by Federal Home Loan Bank of Atlanta's Affordable Housing Program (AHP) and disbursed through FHLBank Atlanta member institutions. Live Baltimore is a community partner that markets the FTHP product to Baltimore City buyers. eligible buyer can use ANY participating FHLBank Atlanta member bank as the first-mortgage lender. 80% AMI cap. First-time homebuyer required (3-year lookback). Buyer must contribute $1,000+ of own funds. Counseling certificate required from city-approved agency. Eligible properties: owner-occupied 1-4 family, townhouse, condo, foreclosed property, cooperative, manufactured/mobile home, new construction (within 30 days of closing). I fondi provengono da FHLB AHP (Federal Home Loan Bank of Atlanta Affordable Housing Program).

FHLBank Atlanta First-Time Homebuyer Product offre un aiuto fino a $12,500. Contributo di chi compra casa: Buyer must contribute at least $1,000 of own funds. Il programma può essere combinato con altri aiuti, nel rispetto delle regole di ciascuno. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è l'ente che gestisce il programma a stabilire l'eventuale importo per ciascuna persona.

FHLBank Atlanta First-Time Homebuyer Product viene condonato dopo 5 anni, quindi chi resta nella casa per quel periodo non lo restituisce. Il rimborso scatta in caso di 5-year retention period (deed restriction). If sale/transfer/cash-out refi/non-owner-occupancy within 5 years, prorated unforgiven AHP subsidy is recaptured by FHLBank Atlanta. Forgiven 1/60 per month over 60 months (effectively 5 years prorated). L'aiuto è iscritto in posizione 2. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

FHLBank Atlanta First-Time Homebuyer Product è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: Standard 3-year FTHB lookback. Displaced-homemaker / single-parent exceptions per HUD. Sul credito, il programma afferma: No FHLBank Atlanta-published FHP minimum; first-mortgage lender's product minimums apply. È richiesto un corso per chi compra casa, tramite Baltimore City-approved homeownership counseling agencies. HUD-approved counseling required by FHLBank Atlanta. Requisito di residenza: Property must be in FHLB Atlanta district (Maryland eligible) and serve as primary residence. For Live Baltimore-marketed application, property in Baltimore City. Cittadinanza o status migratorio: Per first-mortgage product rules. First-time homebuyer (no primary residence ownership in past 3 years). Household income at or below 80% AMI for area (Baltimore HMFA: ~$68,450 1-person to $129,050 8-person). Owner-occupied primary residence. $1,000+ buyer contribution. HUD-approved homeownership counseling completed before closing. Must originate first mortgage with FHLBank Atlanta member institution. 5-year retention period - if property is sold/transferred/refinanced (cash-out)/non-owner-occupancy within 5 years, prorated unforgiven balance recaptured by FHLBank Atlanta. Eligible 1-4 family owner-occupied (subject buyer occupies one unit). Apply through participating member lender's AHP coordinator.

FHLBank Atlanta First-Time Homebuyer Product limita il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. Household income at or below 80% AMI (per HUD for property's MSA). Baltimore-Towson HMFA 2026 80% AMI: ~$68,450 (1-person) to $129,050 (8-person). Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

FHLBank Atlanta First-Time Homebuyer Product limita il prezzo di acquisto così: No FHLBank Atlanta-published purchase-price ceiling; subject to first-mortgage lending limits. I tipi di immobile idonei includono Single-family detached, Townhome, Rowhouse, Condominium, 2-4 unit owner-occupied, Cooperative, Manufactured home e New construction. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

FHLBank Atlanta First-Time Homebuyer Product si rivolge a chi compra casa in Baltimore, Maryland.

Le domande per FHLBank Atlanta First-Time Homebuyer Product passano da l'ente che gestisce il programma, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Apply through FHLBank Atlanta member institution (your first-mortgage lender). FHP funds reserved at lock; member submits to FHLB Atlanta AHP system. First-come, first-served within annual FHLB Atlanta funding allocation. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.