Philly First Home Program

Ang Philly First Home Program ay isang grant para sa mga bibili ng bahay sa Philadelphia, Pennsylvania, na pinangangasiwaan ng 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. Ang pondo ay mula sa City of Philadelphia — Department of Planning and Development, Division of Housing and Community Development (DHCD), administered by PHDC.

Nag-aalok ang Philly First Home Program ng tulong na hanggang $10,000. Maaaring isama ang programa sa 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. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Philadelphia Housing Development Corporation (PHDC) ang nagpapasya sa anumang indibidwal na award.

Ang Philly First Home Program ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may 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. 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 Philly First Home Program 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": Buyers who have not owned a home in the past three years also count as first-time buyers. Tungkol sa credit, sinasabi ng programa: Not published by PHDC; the first-mortgage lender sets credit requirements. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 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.

Nililimitahan ng Philly First Home Program ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. 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 Philly First Home Program ang presyo ng pagbili: No published maximum purchase price. The grant is the lower of $10,000 or 6% of the purchase price. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family at Duplex (2-unit).

Pinaglilingkuran ng Philly First Home Program ang mga bibili ng bahay sa Philadelphia, Pennsylvania.

Dumadaan sa Philadelphia Housing Development Corporation (PHDC) ang mga aplikasyon para sa Philly First Home Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply through a City-funded housing counseling agency. 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.