Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)是面向Fresno县，California购房者的延期第二贷款。 Zero-interest deferred payment loan up to 20% of purchase price plus closing costs. Deferred 30 years or until first mortgage payoff. Available in unincorporated Fresno County and cities of Fowler, Kerman, Kingsburg, Mendota, Reedley, and Selma. Up to 20.0% of purchase price in assistance. no monthly payments on DPA. 资金来自Federal HOME / County。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)按项目规定，提供相当于房价20%的援助。 该项目要求购房者自付1% of purchase price (borrower minimum)。 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。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, non-occupancy, or 30-year term。 该援助以Second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。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Contact lender for current credit score requirements。 须参加购房者教育课程。 居住要求：Purchase in unincorporated Fresno County or participating cities。 公民身份或移民身份：U.S. citizen, permanent resident alien, or other eligible non-citizen。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)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。 Low income: household income ≤80% of Area Median Income (AMI). 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。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)的房价上限如下：Contact program for current purchase price limits。 符合条件的房屋类型包括Single-family (1-4 unit), FHA-approved condominium, townhome/PUD。 新建房屋符合条件。 预制房屋不符合条件。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)服务于在Fresno县，California购房的购房者。

Fresno County First-Time Homebuyer Program (Unincorporated + Small Cities)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Contact provider directly; subject to funding availability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。