FHLBank Atlanta First-time Homebuyer Product (FHP)

FHLBank Atlanta First-time Homebuyer Product (FHP)是面向District of Columbia购房者的补助金，由Federal Home Loan Bank of Atlanta (through participating member financial institutions)管理。 The FHLBank Atlanta First-time Homebuyer Product (FHP), funded through FHLBank Atlanta's Affordable Housing Program (AHP) Homeownership Set-aside, provides up to $17,500 in grant funds toward down payment, closing costs, and principal reduction for first-time homebuyers. FHLBank Atlanta's district includes Washington, D.C. Funds are accessed through a participating FHLBank Atlanta member financial institution and are available first-come, first-served. Up to $17,500 in down payment, closing cost, and/or principal reduction assistance for first-time homebuyers. 资金来自FHLBank Atlanta Affordable Housing Program (AHP) Homeownership Set-aside。

FHLBank Atlanta First-time Homebuyer Product (FHP)提供最高$17,500的援助。 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Federal Home Loan Bank of Atlanta (through participating member financial institutions)决定。

FHLBank Atlanta First-time Homebuyer Product (FHP)属于补助金，因此无需偿还。 触发还款的情形：5-year retention period secured by note/security instrument; repayment (typically pro-rated) may be triggered by sale, transfer, or refinance during the retention period. 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。

FHLBank Atlanta First-time Homebuyer Product (FHP)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。 Borrower must be a first-time homebuyer and contribute at least $1,000 toward the purchase. Income must be at or below the greater of 80% of county AMI or the state median family income (HUD figures, adjusted for family size). Homebuyer counseling from an FHLBank Atlanta-designated counseling provider is required. Funds carry a 5-year retention period secured by a note and security instrument; pro-rated repayment may apply on sale/refinance within the retention period. Must apply through and funds reserved by an FHLBank Atlanta member financial institution; availability is first-come, first-served and subject to annual funding. $17,500 figure per 2025 product cycle.

FHLBank Atlanta First-time Homebuyer Product (FHP)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。 Income must be at or below the greater of 80% of the county area median income or the state median family income, as published annually by HUD and adjusted for family size. 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。

FHLBank Atlanta First-time Homebuyer Product (FHP)服务于在District of Columbia任何地方购房的购房者。

FHLBank Atlanta First-time Homebuyer Product (FHP)的申请通过Federal Home Loan Bank of Atlanta (through participating member financial institutions)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。