Town of Paradise First Time Home Buyer Program

Town of Paradise First Time Home Buyer Program是面向Paradise，California购房者的延期第二贷款。 Gap-financing deferred loan. Lender pre-qualifies borrower; Town fills the affordability gap. 30-year term. Interest 1% accrues only first 10 years. Secured by note and deed of trust. Deferred low-interest gap loan based on Federal 2025 Income Limits to assist first-time homebuyers in Paradise (Butte County). Loan amount = gap between affordability and home price. 1% interest accrues for first 10 years only. 资金来自State/federal grants (CDBG, HOME)。

Town of Paradise First Time Home Buyer Program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, change of primary residence, title transfer, or end of 30-year term。 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。

Town of Paradise First Time Home Buyer Program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。 须参加购房者教育课程，由Required - HUD-approved提供。 Sourced via Homebuyer Wallet (CA260154). Must be a first-time homebuyer (no homeownership in prior 3 years). 1% interest accrues only during first 10 years. Loan due in 30 years OR upon sale, change of occupancy, or title transfer. Funded through CDBG and HOME state/federal grants.

Town of Paradise First Time Home Buyer Program的收入限制如下：Per Federal 2025 Income Limits (Butte County), low-income (80% AMI)。 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。

Town of Paradise First Time Home Buyer Program可用于Single-family, Condo, Townhouse。

Town of Paradise First Time Home Buyer Program服务于在Paradise，California购房的购房者。

Town of Paradise First Time Home Buyer Program的申请通过管理该项目的机构办理。 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。