Town of Enfield First-Time Homebuyer Loan Program

Town of Enfield First-Time Homebuyer Loan Program是面向Enfield，Connecticut购房者的延期第二贷款，由Town of Enfield Office of Economic & Community Development (OCD)管理。 The Town of Enfield First-Time Homebuyer Loan Program provides gap funding to low- and moderate-income first-time buyers purchasing an existing home in Enfield. It covers up to 50% of the down payment and/or up to 100% of reasonable closing costs, to a $10,000 maximum, as a 0% second mortgage. Homes in the Thompsonville/North Thompsonville target area get a forgivable loan (10% forgiven yearly over 10 years); homes elsewhere get a deferred loan due on sale/transfer/delinquency. CDBG-funded and administered by the Town's OCD. Up to $10,000 at 0% interest. Covers up to 50% of down payment and up to 100% of reasonable closing costs. Forgivable over 10 years in the target area. 资金来自Federal/State Community Development Block Grant (CDBG)。

Town of Enfield First-Time Homebuyer Loan Program提供最高$10,000的援助。 援助档次：Forgivable loan in Thompsonville (CT 4806)/North Thompsonville (4805) target area; deferred 0% loan elsewhere in Enfield. 购房者自付部分：Not specified; program covers up to 50% of down payment so applicant funds the remainder. 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Town of Enfield Office of Economic & Community Development (OCD)决定。

Town of Enfield First-Time Homebuyer Loan Program在10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：Deferred 0% second mortgage (homes outside target area) payable in full on sale/transfer or on delinquency of mortgage/tax/sewer; forgivable loan in Thompsonville/North Thompsonville target area forgiven 10% per year over 10 years. 该援助以Second mortgage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。

Town of Enfield First-Time Homebuyer Loan 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：No ownership in prior 3 years; includes displaced homemakers and single parents; prior ownership of a non-permanently-affixed (manufactured) dwelling does not disqualify. 关于信用，该项目说明：No published minimum; OCD reviews credit report. 须参加购房者教育课程，由HUD-approved homebuyer counseling certificate within last year (e.g., Community Renewal Team, Mutual Housing of Hartford, Urban League of Greater Hartford, NHS of New Britain).提供。 居住要求：Need not live in Enfield to apply, but home must be in Enfield and the applicant's primary residence for the loan term. Property must be primary residence in Enfield for the loan term. HUD-approved homebuyer counseling required. Must obtain 30-yr fixed first mortgage. Home inspection + lead-paint compliance before occupancy. Loan Review Committee approval required.

Town of Enfield First-Time Homebuyer Loan 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 <= HUD CDBG limits (annual). 2025 Hartford County: 1=$70,950;2=$81,050;3=$91,200;4=$101,300;5=$109,450;6=$117,550;7=$125,650;8=$133,750. 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。

Town of Enfield First-Time Homebuyer Loan Program的房价上限如下：No set sales-price limit; OCD evaluates if price is appropriate for income/debt. 符合条件的房屋类型包括Single Family、Condo和2-4 Unit。

Town of Enfield First-Time Homebuyer Loan Program服务于在Enfield，Connecticut购房的购房者。 该项目针对特定区域：Thompsonville (CT 4806) and North Thompsonville (4805) target area: loan is forgivable (10%/yr over 10 yrs); deferred 0% loan elsewhere in Enfield.

Town of Enfield First-Time Homebuyer Loan Program的申请通过Town of Enfield Office of Economic & Community Development (OCD)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Loan Review Committee meets first Tuesday monthly; if approved, funds reserved 90 days or to set closing date (30-60 day review).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。