Home-buyer Assistance Program

Home-buyer Assistance Program是面向Pine Bluff，Arkansas购房者的延期第二贷款。 The City of Pine Bluff Home-buyer Assistance Program is a HOME-funded city program that helps low- to moderate-income Pine Bluff residents purchase a home on the open market, a HUD-repossessed home, or a for-sale-by-owner property. Eligible buyers may receive up to $2,000 toward down payment and up to $3,000 toward eligible closing costs (excluding prepaids), to a maximum of $5,000. Funds are structured as a 5-year, 0% interest deferred loan that is forgiven after 5 years of owner occupancy; if the home is sold, transferred, refinanced, or otherwise disposed of within the 5-year period, the loan must be repaid. The buyer must contribute at least $500 toward the down payment. Up to $2,000 down-payment assistance plus up to $3,000 closing-cost assistance ($5,000 maximum total) at 0% interest as a 5-year deferred forgivable loan (HOME-funded). Buyer must contribute $500 minimum toward down payment. 资金来自HOME、Federal和Local Government。

Home-buyer Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Repayment due if the home is sold, transferred, refinanced, or no longer owner-occupied within the 5-year affordability period和loan forgiven after 5 years of continued owner occupancy。 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Home-buyer Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：HUD HOME first-time-homebuyer rule (no ownership of principal residence in the last 3 years), with HUD displaced-homemaker / single-parent exceptions。 关于信用，该项目说明：Not published; subject to underlying first-mortgage lender requirements。 须参加购房者教育课程，由HUD-approved housing counseling agencies (homebuyer education encouraged for HOME-funded purchases)提供。 居住要求：Property must be within Pine Bluff city limits。 公民身份或移民身份：U.S. citizen or qualified non-citizen per HUD HOME program rules。 Household income must be at or below 80% of HUD area median income for Pine Bluff. Property must be within Pine Bluff city limits. Buyer must contribute a minimum of $500 toward down payment (separate from closing costs). Marital status disclosure required (separated/divorce-pending applicants must coordinate with Loan Processor due to Arkansas marital property law).

Home-buyer Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Gross annual household income may not exceed 80% of HUD AMI for Pine Bluff MSA. By household size, the Pine Bluff 80% AMI limits range approximately from $36,550 (1-person) to $68,850 (8-person), with a 4-person limit of approximately $52,200. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Home-buyer Assistance Program的房价上限如下：Subject to HUD HOME 95% area median purchase-price limits; no separate city cap published。 符合条件的房屋类型包括Single-family detached (open market, HUD-repossessed, or for-sale-by-owner)。 新建房屋符合条件。 预制房屋不符合条件。

Home-buyer Assistance Program服务于在Pine Bluff，Arkansas购房的购房者。 该项目针对特定区域：Citywide activity targeted to census tracts where total household incomes fall below 80% of Pine Bluff median income。

Home-buyer Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Direct application to City of Pine Bluff Economic and Community Development Department (walk-ins welcome)预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。