Town of Fairfield First-Time Homebuyer Assistance Program

Town of Fairfield First-Time Homebuyer Assistance Program是面向Fairfield，Connecticut购房者的延期第二贷款，由Town of Fairfield, Office of Community & Economic Development管理。 A HUD-funded Town of Fairfield program that helps income-eligible first-time homebuyers purchase an owner-occupied single-family, two-family, or condominium in Fairfield. It provides a no-interest down payment loan of 50% of the required down payment up to $30,000 (repayable on sale, refinance, transfer, or death), plus a closing-cost grant of up to $2,500. Applicants must complete HUD-certified counseling and meet income limits. 0% deferred down payment loan up to $30,000 (50% of down payment). Up to $2,500 closing-cost grant (no repayment). Covers attorney fees, appraisal, prepaids. Single-, two-family, or condo eligible. 资金来自U.S. Department of Housing and Urban Development (HUD) grant。

Town of Fairfield First-Time Homebuyer Assistance Program提供最高$32,500的援助。 援助档次：Down payment: 50% of required down payment, max $30,000 (0% deferred loan). Closing costs: max $2,500 (grant). 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 Fairfield, Office of Community & Economic Development决定。

Town of Fairfield First-Time Homebuyer Assistance 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：Down payment loan payable when the owner sells, refinances, transfers, or passes away (deferred/silent second). Closing-cost portion is a grant. 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。

Town of Fairfield First-Time Homebuyer 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：First-time homebuyer = no ownership interest in residential property within the past three years。 须参加购房者教育课程，由HUD-certified first-time homebuyer counseling program (certificate required)提供。 Home must be in Fairfield and owner-occupied; investment properties excluded. HUD-certified counseling certificate required. Eligibility/income subject to change without notice.

Town of Fairfield First-Time Homebuyer 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。 2025 HUD annual income limits per household: 1p $78,750; 2p $90,000; 3p $101,250; 4p $112,500; 5p $121,500; 6p $130,500; 7p $139,900; 8p $148,500. 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 Fairfield First-Time Homebuyer Assistance Program可用于Single Family、2-4 Unit和Condo。

Town of Fairfield First-Time Homebuyer Assistance Program服务于在Fairfield，Connecticut购房的购房者。

Town of Fairfield First-Time Homebuyer Assistance Program的申请通过Town of Fairfield, Office of Community & Economic Development办理，该机构在其网站上公布现行条款和申请步骤。 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。