First Front Door (FFD)

First Front Door (FFD)是面向Delaware购房者的补助金，由FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh)管理。 First Front Door (FFD) is a homebuyer grant from FHLBank Pittsburgh offered through its member financial institutions in Delaware, Pennsylvania and West Virginia. First-time homebuyers at or below 80% AMI who contribute at least $1,500 of their own funds can receive up to $15,000 toward down payment and closing costs. The grant carries a 5-year retention period secured by a deed restriction, with prorated recapture on early sale or refinance. Up to $15,000 toward down payment and closing costs. No monthly payments. Forgiven after 5 years of ownership. Can be combined with other assistance. Works with FHA, VA, USDA and conventional first mortgages. 资金来自FHLBank Pittsburgh member-funded voluntary housing grant program (Affordable Housing Program set-aside)。

First Front Door (FFD)提供最高$15,000的援助。 援助档次：Two products: First Front Door (FFD, ≤80% AMI) and First Front Door Keys (≤120% AMI, first-generation first-time homebuyers). 购房者自付部分：Homebuyer must contribute a minimum of $1,500 in personal funds toward down payment and closing costs. 该项目可与Can be layered with other down payment / closing-cost assistance programs subject to member and program rules.结合使用。 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FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh)决定。

First Front Door (FFD)属于补助金，因此无需偿还。 触发还款的情形：Repayment of a prorated portion of the grant is required if the home is sold or refinanced within the 5-year retention period; the obligation is secured by a Real Estate Retention Agreement (deed restriction). 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。

First Front Door (FFD)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 = has not owned an eligible property used as a primary residence in the last three years. If purchasing jointly, at least one buyer must meet the three-year test. Also includes a person who previously owned jointly and is now buying independently, and owners of an investment property they have not lived in. 关于信用，该项目说明：Not set by FFD; determined by the participating member's first-mortgage underwriting. 须参加购房者教育课程，由At least 4 hours of homeownership counseling (including predatory lending) prior to purchase, through a HUD-approved or FHLBank-approved counseling agency; online options include eHome America, Framework, Fannie Mae HomeView, Freddie Mac CreditSmart, and PHFA online counseling.提供。 Available only through participating FHLBank Pittsburgh members. Lien position, max purchase price, credit score and DTI are set by the member's first-mortgage underwriting and were not specified on the FFD program page (left null). Funds are limited and awarded first-come, first-served during an annual round.

First Front Door (FFD)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 must be at or below 80% of the area median income (AMI) at the time of registration, as published by HUD for the property location/household size. 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。

First Front Door (FFD)可用于Single Family、Condo和Townhouse。

First Front Door (FFD)服务于在Delaware任何地方购房的购房者。

First Front Door (FFD)的申请通过FHLBank Pittsburgh (Federal Home Loan Bank of Pittsburgh)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Members submit reservation requests during an annual open funding round; FHLBank processes/approves completed reservations within 10 business days on a first-come, first-served basis until funds are exhausted. 2026 round opens May 19, 9 a.m. Eastern.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。