Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance

Ang Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance ay isang loan na mapapatawad para sa mga bibili ng bahay sa Union County, Pennsylvania, na pinangangasiwaan ng Union County Planning Department (Union County Commissioners). The Union County Affordable Housing Fund (UCAHF), established in 1997, encourages affordable homeownership by offering 0%-interest, no-payment forgivable 2nd mortgages (capped at $35,000) and 3rd mortgages (capped at $10,000) to qualified low-to-moderate-income first-time homebuyers purchasing within Union County. Loans are forgiven at 10% of original principal per year over 10 years and are repaid only if the home is sold or refinanced before forgiveness completes. 0% interest. No monthly payments. Forgiven 10%/year over 10 years. Up to $35,000 (2nd) plus $10,000 (3rd). Funds may also cover lender-required repairs. Ang pondo ay mula sa Union County Affordable Housing Fund (county-established 1997; locally funded).

Nag-aalok ang Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance ng tulong na hanggang $35,000. Mga award tier: Two funding layers: (1) 2nd mortgage capped at $35,000; (2) 3rd mortgage capped at $10,000. Combined assistance also constrained to ~10% of purchase price; verify current cap with Planning Dept. Ambag ng bibili ng bahay: Applicant must contribute at least 3% of the purchase price from other sources (per county summary). Maaaring isama ang programa sa Layered with primary lender mortgage and other DPA/first-mortgage products (e.g., PHFA, Union-Snyder CAA). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Union County Planning Department (Union County Commissioners) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Repayment required only if the property is sold or refinanced before the loan is fully forgiven; forgiven 10% of original principal per year over 10 years. Nakatala ang tulong bilang lien sa posisyong Second and/or third mortgage (subordinate to primary lender). 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 Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance 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 defined as not having owned a home in the past three years (per program materials). Requirement sa paninirahan: Home must be located within Union County, PA. Verified on official Union County Planning Google Site and county affordable-housing page. Forgivable 2nd ($35k cap) + 3rd ($10k cap), 0% interest, no payments, 10%/yr forgiveness over 10 years, repay on sale/refi; home in Union County; 3% borrower contribution and FTHB (no ownership in past 3 yrs). GAPS: full HUD income-limit table by household size, max purchase price, min credit score, DTI, homebuyer-education requirement, participating-lender list not published — confirm via the application and Planning Dept (570-524-3825). A third-party source cited different caps; treat the county site as source of truth.

Nililimitahan ng Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Income-limited to low-to-moderate income; county-reported figures: 2-person household up to ~$82,880; 4-person household up to ~$103,600 (figures vary by HUD year). Full household-size table not published on the official page — confirm current HUD income limits in the application. 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 Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance ang presyo ng pagbili: Combined assistance capped at 10% of purchase price per county summary; specific maximum purchase price not published. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance ang mga bibili ng bahay sa Union County, Pennsylvania.

Dumadaan sa Union County Planning Department (Union County Commissioners) ang mga aplikasyon para sa Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Preliminary program application reviewed by Union County Planning; funding subject to availability. 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.