KHRC First Time Homebuyer Program (FTHB)

Ang KHRC First Time Homebuyer Program (FTHB) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County), Kansas, na pinangangasiwaan ng Kansas Housing Resources Corporation (KHRC). The KHRC First Time Homebuyer Program provides HOME-funded forgivable second mortgage assistance of 15% or 20% of the purchase price (up to $40,000) for income-eligible first-time buyers anywhere in Kansas except Kansas City, Lawrence, Topeka, Wichita city limits, and Johnson County. No monthly payments are required and the loan is fully forgiven after 10 years of owner-occupancy. Buyers must invest at least 1% of the purchase price from personal funds and complete HUD-approved homebuyer counseling. 15-20% of purchase price, up to $40,000. 0% interest, no monthly payments. Fully forgiven after 10 years. No minimum credit score from KHRC. Covers down payment and/or closing costs. Ang pondo ay mula sa HUD HOME Investment Partnerships Program.

Nag-aalok ang KHRC First Time Homebuyer Program (FTHB) ng tulong mula $1,000 hanggang $40,000. Mga award tier: 15% of purchase price for households 51%-80% AMI; 20% of purchase price for households at or below 50% AMI; maximum $40,000. Ambag ng bibili ng bahay: Buyer must invest minimum 1% of sale price from own funds; maximum buyer contribution 10%. Gifts allowed above 1% but no more than 9%. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Kansas Housing Resources Corporation (KHRC) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang KHRC First Time Homebuyer Program (FTHB) pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, rental conversion, or refinancing without KHRC approval within 10-year affordability period triggers partial or full recapture. Subsidy split equally: interest-free soft second (forgiven over 60 months if under $15,000, or 120 months if $15,000+) and interest-free portion (repaid in full on sale within 10 years). Nakatala ang tulong bilang lien sa posisyong Second mortgage. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang KHRC First Time Homebuyer Program (FTHB) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Displaced homemakers and single parents meeting specific criteria may qualify even if they owned within 3 years. Tungkol sa credit, sinasabi ng programa: No minimum credit score required by KHRC; must qualify for first mortgage at market-rate interest. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing counseling agency; both one-on-one counseling session and homebuyer education course required. Requirement sa paninirahan: Must reside in purchased home. Citizenship o katayuan sa imigrasyon: U.S. citizens or lawful permanent resident aliens only; valid Social Security number required. Not available in Kansas City, Lawrence, Topeka, Wichita city limits, or Johnson County. Properties must pass KHRC inspection per HOME Final Rule 92.251. Max $10,000 in non-retirement assets before spend-down required. 30-year first mortgage interest rate cannot exceed Freddie Mac PMMS by more than 0.65%. Co-signers not allowed. Income limits are HOME limits (county-specific), not LIHTC limits.

Nililimitahan ng KHRC First Time Homebuyer Program (FTHB) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. At or below 80% of HUD HOME area median income (county-specific). In 2026: Allen County 4-person limit $67,300; Sedgwick County $75,050; Leavenworth County $89,100. Full limits at kshousingcorp.org. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng KHRC First Time Homebuyer Program (FTHB) ang presyo ng pagbili sa $219,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, Townhouse, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng KHRC First Time Homebuyer Program (FTHB) ang mga bibili ng bahay sa Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County), Kansas.

Dumadaan sa Kansas Housing Resources Corporation (KHRC) ang mga aplikasyon para sa KHRC First Time Homebuyer Program (FTHB), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.