Avondale First-Time Homebuyer Program

Avondale First-Time Homebuyer Program是面向Avondale，Arizona购房者的可免除贷款。 City of Avondale-funded down payment assistance program for first-time homebuyers purchasing within the city limits. The City contracts with Trellis (a local non-profit HUD-approved housing counseling and CDFI agency) to administer the program. The City may provide up to $30,000 in down payment, closing cost, and/or principal-reduction assistance in the form of a non-interest-bearing deferred, forgivable loan secured by a Deed of Trust, Promissory Note, or other approved lien instrument. The loan becomes payable in full if the buyer sells or moves from the property within the affordability period or fails to maintain it; if all requirements are met through the end of the period, the City forgives the loan in full. Total assistance is based on need. Buyers must be first-time homebuyers, meet HUD income limits (80% AMI for Maricopa County), obtain and maintain a first mortgage, and complete an 8-hour homebuyer class. Up to $40,000 in down payment, closing costs, and/or principal reduction assistance structured as a shared equity loan. The City provides a lump-sum advance at closing in exchange for a share of the property's future appreciation when the home is sold or refinanced. Homebuyer counseling is provided through Trellis as part of the program. 资金来自HUD HOME Investment Partnerships Program / CDBG (federal pass-through to the City of Avondale)。

Avondale First-Time Homebuyer Program提供最高$30,000的援助。 购房者自付部分：Borrower must contribute reasonable funds toward the transaction; specific amount set during underwriting and counseling with Trellis. 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Avondale First-Time Homebuyer Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Loan becomes payable in full if the buyer sells or moves from the property within the affordability period or fails to maintain it; if all program requirements are met through the end of the period, the City forgives the loan in full and releases its lien. 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。

Avondale First-Time Homebuyer 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：Displaced homemakers and single parents who previously owned a home only with a former spouse are exempt from the three-year first-time-buyer rule; spouses out of the workforce caring for a household are also not bound by the three-year restriction. 关于信用，该项目说明：Set by first-mortgage lender; no separate program-level minimum published. 须参加购房者教育课程，由Trellis (HUD-approved housing counseling agency)提供。 居住要求：Property must be located within the City of Avondale corporate limits. 公民身份或移民身份：U.S. citizen or qualified non-citizen with eligible immigration status (HUD HOME requirement). Must purchase a home located within the City of Avondale corporate limits. Must complete homebuyer education/counseling through Trellis. Must be income-qualified at or below 80% AMI for Maricopa County (HUD HOME income limits — example: family of four cap was $63,200). Property must be the borrower's primary residence. The shared-equity loan requires the City to receive a proportional share of future appreciation; loan typically becomes due upon sale, transfer, refinance with cash-out, or loss of owner-occupancy. Funded with HUD HOME / CDBG funds passed through the City.

Avondale First-Time Homebuyer 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。 Household income at or below 80% Area Median Income (HUD HOME limits) for Maricopa County, adjusted for household size. Example reference: $63,200 maximum for a family of four. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Avondale First-Time Homebuyer Program的房价上限如下：Purchase price must comply with HUD HOME 95% maximum purchase price limit for Maricopa County (set annually by HUD). 符合条件的房屋类型包括Single-family detached, townhome, condo (must be HUD HOME-eligible)。 新建房屋符合条件。 预制房屋不符合条件。

Avondale First-Time Homebuyer Program服务于在Avondale，Arizona购房的购房者。

Avondale First-Time Homebuyer 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First-come, first-served while funds last; applications accepted through Trellis.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。