First Generation Program

First Generation Program은(는) Statewide, Maine 주택 구매자를 위한 탕감 가능 대출입니다. MaineHousing's First Generation Program: up to $10,000 forgivable second-mortgage DPA for first-generation homebuyers (parents/grandparents have not owned in past 7 years, or borrower aged out of foster care). Pairs with First Home Loan first mortgage and standard $5,000 Advantage DPA for combined up-to-$15,000 assistance. 5-year forgiveness. 640 FICO. Statewide. MaineHousing's First Generation Program provides up to $10,000 in additional down-payment / closing-cost assistance on top of MaineHousing's standard $5,000 Advantage DPA second mortgage - for combined assistance of up to $15,000. The program is designed to address the inter-generational wealth gap by helping first-generation homebuyers (those whose parents or grandparents have not owned a home in the past 7 years, or borrowers who aged out of foster care) achieve homeownership. The $10,000 First Generation assistance is structured as a 0% interest forgivable second mortgage, forgiven on a pro-rata basis over 5 years of continued owner-occupancy. The program pairs with MaineHousing's First Home Loan first mortgage (30-year fixed FHA, VA, USDA-RD, or HFA conventional) and the standard Advantage DPA option. Borrower must contribute at least $1,000 of own funds. Income and acquisition-cost limits follow MaineHousing's standard First Home Loan limits (statewide income up to $98,900 1-2 person / $113,735 3+ person. targeted/higher-cost county income up to $111,100 1-2 / $149,270 3+. purchase price $525,000 non-targeted to $775,000 targeted). 640 minimum FICO. Homebuyer education (hoMEworks) required. 재원은 State 및 Bond에서 나옵니다.

First Generation Program은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Forgiven pro-rata over 5 years of continued owner-occupancy (1/5 per year). Unforgiven balance due on sale, refinance with cash-out, transfer of title, or non-owner-occupancy before 5 years. No monthly payment. 지원금은 3rd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

First Generation Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer requirement waived in federally designated targeted census tracts and for qualifying veterans (via SaluteME / Salute Home Again). First-generation requirement (no ownership by parents/grandparents in past 7 years) is the program-defining criterion. 신용에 대해 프로그램은 다음과 같이 명시합니다: 640 minimum FICO across all eligible first-mortgage products. 주택 구매자 교육 이수가 필요하며, MaineHousing-approved hoMEworks homebuyer education class (in-person or online) required prior to closing.을(를) 통해 받습니다. 거주 요건: Property must be located in Maine and be the borrower's primary residence. Statewide eligibility. 시민권 또는 이민 신분: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. FIRST-GENERATION HOMEBUYER REQUIREMENT: Borrower (and any co-borrower) must qualify as a first-generation homebuyer, defined as: (a) borrower's parents and grandparents have not owned a home within the past 7 years, OR (b) borrower aged out of foster care. At least one borrower must meet the first-generation definition. First-time homebuyer required (no ownership of a primary residence in the past 3 years; waived in federally targeted areas). Owner-occupied primary residence. 640 minimum FICO. Maximum 45% DTI. Borrower must contribute a minimum of $1,000 of own funds. Income at or below MaineHousing First Home Loan limits ($98,900 1-2 person / $113,735 3+ person non-targeted; $111,100 1-2 / $149,270 3+ targeted). Maximum purchase price $525,000 non-targeted / $775,000 targeted/higher-cost county. hoMEworks homebuyer education required. Pairs with First Home Loan first mortgage + Advantage DPA second.

First Generation Program은(는) 가구 소득을 $149,270(으)로 제한합니다. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

First Generation Program은(는) 구매 가격 상한을 $525,000(으)로 정합니다. 대상 주택 유형: Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation (titled as real property 및 per first-mortgage overlays). 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

First Generation Program은(는) 지원 대상 그룹으로 가족 중 첫 주택 구매자을(를) 명시합니다. 여기에 이름이 나온다는 것은 프로그램이 해당 그룹을 언급한다는 뜻이며, 그 그룹에 속한다는 것만으로 신청자가 자격을 갖춘다는 뜻은 아닙니다 — 나머지 자격 요건도 그대로 적용됩니다.

First Generation Program은(는) Statewide, Maine에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Federally designated targeted census tracts (per IRS Section 143) where MRB first-time-homebuyer requirement is waived and higher income / acquisition-cost limits apply. Higher-cost counties (Cumberland, York, Sagadahoc) also have higher acquisition-cost limits up to $775,000.

First Generation Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Reserved through MaineHousing's online lender portal (Lender Online) at time of rate lock by approved participating lender. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.