Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)

Ang Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Dauphin County, Pennsylvania, na pinangangasiwaan ng Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board). Dauphin County's First-Time Homebuyers Program offers a 0% interest second/subordinated mortgage of up to $6,000 toward down payment and/or closing costs anywhere in Dauphin County, including the City of Harrisburg. No monthly payments are required; the full principal is repaid only on resale and returned to the program pool. Applicants complete approved homebuyer counseling and meet 80% AMI limits. Overseen by the Affordable Housing Trust Fund Advisory Board. Up to $6,000 toward down payment/closing costs. 0% interest. No monthly payments. Deferred repayment only on resale. Revolving pool. Rolling year-round applications. Ang pondo ay mula sa Dauphin County Affordable Housing Trust Fund (county mortgage and deed recording fees).

Nag-aalok ang Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) ng tulong na hanggang $6,000. Ambag ng bibili ng bahay: Buyer contributes minimum 3% of lesser of price/appraised value or $1,000, whichever is less; liquid assets at settlement may not exceed $20,000. Maaaring isama ang programa sa PHFA first-mortgage and assistance products. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Full original principal due on resale (due-on-sale); subordinated upon refinance. Nakatala ang tulong bilang lien sa posisyong Second or subordinated 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 Dauphin County Affordable Housing Trust Fund First-Time Homebuyers 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": First-time buyer OR no home ownership within the last 3 years. Tungkol sa credit, sinasabi ng programa: Set by first-mortgage lender underwriting (no county-published minimum). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Fair Housing Council of the Capital Region; Advantage Credit Counseling; PathStone Corp - PA; Tri-County Housing. Requirement sa paninirahan: Buyer need not reside in Dauphin County, but the home must be in Dauphin County and may not be leased during residency. First-time buyer or no ownership in last 3 years. Max sales price $224,000. Liquid assets capped at $20,000 at settlement. Min buyer contribution 3% of lesser of price/appraised value or $1,000 (whichever is less). Requires approved counseling and a signed Agreement of Sale before applying. Excess committed assistance ($100+) returned to county at settlement.

Nililimitahan ng Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. <=80% Dauphin County median (HUD FY2025, eff 6/1/2025): 1p $59,050; 2p $67,450; 3p $75,900; 4p $84,300; 5p $91,050; 6p $97,800; 7p $104,550; 8p $111,300. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) ang presyo ng pagbili sa $224,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) ang mga bibili ng bahay sa Dauphin County, Pennsylvania.

Dumadaan sa Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board) ang mga aplikasyon para sa Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted year-round; funds distributed as available; approved-but-unfunded held until pool replenished. 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.