First-Time Homebuyer Fund

Ang First-Time Homebuyer Fund ay isang grant para sa mga bibili ng bahay sa Philadelphia, Pennsylvania. The Mt. Airy First-Time Homebuyer Fund is a neighborhood-targeted down-payment and closing-cost grant administered by the Mt. Airy Community Development Corporation. The Fund provides up to $10,000 in non-repayable grant assistance to first-time homebuyers purchasing a primary residence in the Mt. Airy neighborhood of Philadelphia. The program is funded by philanthropic contributions, foundation grants, and Philadelphia Housing Trust Fund pass-through dollars and is designed to attract owner-occupant buyers to Mt. Airy and stabilize neighborhood homeownership in a CDC-led revitalization strategy. Mt. Airy CDC layers this grant with the City of Philadelphia's Philly First Home program and PHFA programs to maximize buyer assistance. Up to $10,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in the Mt. Airy neighborhood of Philadelphia (zip codes 19119 / 19150 and adjacent). Provided as a non-repayable grant funded by Mt. Airy CDC philanthropic contributions, foundation grants, and Philadelphia Housing Trust Fund pass-through. Designed to attract owner-occupant buyers to Mt. Airy and stabilize neighborhood homeownership. Ang pondo ay mula sa Local Affordable Housing Trust Fund, Philanthropic, Foundation, at Local Government.

Ang First-Time Homebuyer Fund ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Non-repayable grant subject to recapture if the buyer fails to occupy as primary residence during the grant retention period (typically 3-5 years). 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 First-Time Homebuyer Fund 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 homebuyer (no ownership of principal residence in prior 3 years). Tungkol sa credit, sinasabi ng programa: Underwriting follows first-mortgage product; no published Mt. Airy CDC credit floor. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved housing counseling agencies serving Philadelphia (commonly Mt. Airy CDC's own program or Clarifi); pre-purchase 8-hour education certificate required. Requirement sa paninirahan: Property must be located within the Mt. Airy CDC service area (Mt. Airy neighborhood of Philadelphia, primarily zip codes 19119 / 19150) and occupied as primary residence for the grant retention period. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen. Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence within the Mt. Airy CDC service area (Mt. Airy neighborhood of Philadelphia), complete pre-purchase counseling and 8-hour homebuyer education, and remain in the home as primary residence for the grant retention period. Household income approximately $62,500 (1-person, ~80% AMI) up to $110,700 (8-person, ~120% Philadelphia MSA AMI). Property must meet basic habitability standards.

Nililimitahan ng First-Time Homebuyer Fund ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income approximately $62,500 (1-person at ~80% AMI) up to $110,700 (8-person at ~120% Philadelphia-Camden-Wilmington MSA AMI). Limits updated annually. 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.

Ganito nililimitahan ng First-Time Homebuyer Fund ang presyo ng pagbili: Tracks Mt. Airy CDC underwriting guidelines and Philadelphia neighborhood comps. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhouse, Rowhouse, Condominium, at 2-4 unit (owner-occupied). Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng First-Time Homebuyer Fund ang mga bibili ng bahay sa Philadelphia, Pennsylvania. Tinutukoy ng programa ang mga partikular na lugar: Mt. Airy neighborhood of Philadelphia, PA (zip codes 19119, 19150, and adjacent within the Mt. Airy CDC service area).

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa First-Time Homebuyer Fund, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served subject to annual Mt. Airy CDC fundraising and program allocation. 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.