Philly First Home Program

Philly First Home Program è un contributo a fondo perduto per chi compra casa in Philadelphia, Pennsylvania, gestito da Philadelphia Housing Development Corporation (PHDC). A City of Philadelphia homebuyer assistance grant of up to $10,000, or 6% of the purchase price, whichever is lower. Funds may be applied to principal reduction, down payment and loan closing costs. Open to first-time buyers — including anyone who has not owned a home in the past three years — purchasing a single-family home or duplex inside Philadelphia. Condominiums are not eligible. One-on-one homeownership counseling through a City-funded housing counseling agency must be completed BEFORE the Agreement of Sale is signed, which is the step buyers most often miss. The grant is not free and clear: the City states it must be repaid if the buyer moves or refinances before living in the home for 15 years. Up to $10,000 (or 6% of purchase price, whichever is lower) toward principal, down payment and closing costs. Grant, not a monthly payment — but repayable if you move or refinance within 15 years. Counseling is free and City-funded. Income limits scale with family size with no household-size cap. Program materials published in English, Spanish and Simplified Chinese. I fondi provengono da City of Philadelphia — Department of Planning and Development, Division of Housing and Community Development (DHCD), administered by PHDC.

Philly First Home Program offre un aiuto fino a $10,000. Il programma può essere combinato con Explicitly bundled with Turn the Key: PHDC advertises up to $75,000 in Turn the Key mortgage buydown assistance plus up to $10,000 from Philly First Home on a newly built TTK home. Other homebuyer grants may be combined, but PHDC asks buyers to confirm compatibility with their housing counselor. A City-funded counseling agency (New Kensington CDC) states Philly First Home cannot be combined with First Front Door or the PHFA K-FIT grant; that exclusion is not corroborated on any City or PHDC page — treat as unconfirmed. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è Philadelphia Housing Development Corporation (PHDC) a stabilire l'eventuale importo per ciascuna persona.

Philly First Home Program è un contributo a fondo perduto, quindi non va restituito. Il rimborso scatta in caso di The City of Philadelphia states the grant must be repaid if the buyer moves or refinances before living in the home for 15 years. The City does not publish whether repayment is prorated or whether a lien or second mortgage is recorded — confirm with DHCD (215-686-9749) or a City-funded housing counselor. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

Philly First Home 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: Buyers who have not owned a home in the past three years also count as first-time buyers. Sul credito, il programma afferma: Not published by PHDC; the first-mortgage lender sets credit requirements. È richiesto un corso per chi compra casa, tramite One-on-one counseling at a City-funded housing counseling agency, required before the Agreement of Sale. Agencies on the 3/26 flyer: Affordable Housing Centers of Pennsylvania (Main, West Philadelphia, Northeast); Asociacion Puertorriquenos en Marcha (APM); Center in the Park; Clarifi; Congreso de Latinos Unidos; Esperanza; Greater Philadelphia Alliance Social Service Center (GPASS); Greater Philadelphia Community Alliance (GPCA) Houston Center; Dixon House; HACE (Central and Frankford); Intercultural Family Services; Mt. Airy CDC; New Kensington CDC; Northwest Counseling Service; Philadelphia Chinatown Development Corporation; Southwest CDC; Unemployment Information Center; Urban League of Philadelphia; West Oak Lane CDC; Xiente. Agencies are subject to change — the flyer is the current list. Counseling must be completed BEFORE signing the Agreement of Sale — counseling completed afterward does not qualify. The Agreement of Sale must be signed by both homebuyer and seller. Condominiums are not eligible. Apply through a City-funded housing counseling agency; bring total annual family income, the source of that income (employment, SSI, DPA, etc.) and the number of family members who will live in the home. REPAYMENT: the City states the grant must be repaid if you move or refinance before living in the home for 15 years — this is published on phila.gov but does NOT appear on the PHDC program page or the 3/26 flyer, so buyers reading only PHDC materials will not learn the grant is repayable. Still unpublished by any official source: whether repayment is full or prorated, whether a lien or second mortgage is recorded, any minimum credit score, any maximum purchase price, any eligible-loan-product list, and any participating-lender restriction. The PHDC application-process page publishes the steps only as a Road Map graphic/PDF, not as text.

Philly First Home Program limita il reddito familiare al 100% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. Gross income for all family members who will live in the home, against the City of Philadelphia's 100% AMI schedule (DHCD) — the same schedule that governs Turn the Key. Maximum annual household income by family size: 1 — $85,900; 2 — $98,200; 3 — $110,500; 4 — $122,700; 5 — $132,600; 6 — $142,400; 7 — $152,200; 8 — $162,000; each additional person adds $9,800 (there is no maximum household size). The $122,700 stored in income_limit_amount is the 4-person figure. DHCD does not publish an effective year or HUD MSA name with this table. 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.

Philly First Home Program limita il prezzo di acquisto così: No published maximum purchase price. The grant is the lower of $10,000 or 6% of the purchase price. I tipi di immobile idonei includono Single Family e Duplex (2-unit).

Philly First Home Program si rivolge a chi compra casa in Philadelphia, Pennsylvania.

Le domande per Philly First Home Program passano da Philadelphia Housing Development Corporation (PHDC), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Apply through a City-funded housing counseling agency. 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.