First-Time Home Buyers Program

First-Time Home Buyers Program è un secondo prestito differito per chi compra casa in contea di 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. I fondi provengono da HOME, Federal e Local Government.

First-Time Home Buyers Program viene condonato dopo 5 anni, quindi chi resta nella casa per quel periodo non lo restituisce. Il rimborso scatta in caso di Forgiven pro-rata over a 5-year affordability period e 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. 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.

First-Time Home Buyers Program è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: First-time homebuyer (no ownership of principal residence in prior 3 years) or displaced homemaker. Sul credito, il programma afferma: Underwriting follows the buyer's first-mortgage product; no published RDA credit floor. È richiesto un corso per chi compra casa, tramite HUD-approved housing counseling agencies serving Monroe County; pre-purchase homebuyer education certificate required prior to closing. Requisito di residenza: Property must be located in Monroe County, PA and be the buyer's primary residence for the 5-year affordability period. Cittadinanza o status migratorio: 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 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% Monroe County (East Stroudsburg, PA HMFA) AMI: 1-person ~$63,437; 4-person ~$90,650; 8-person ~$119,625. Limits updated annually by HUD. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. 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.

First-Time Home Buyers Program limita il prezzo di acquisto così: Maximum purchase price tracks HUD HOME 95% area median purchase price for Monroe County. I tipi di immobile idonei includono Single-family detached, Townhouse e Condominium. Le nuove costruzioni sono idonee. Le case prefabbricate non sono idonee.

First-Time Home Buyers Program si rivolge a chi compra casa in contea di Monroe, Pennsylvania.

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