First Front Door Keys (Keys)

First Front Door Keys (Keys)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 Keys is the first-generation homebuyer tier of FHLBank Pittsburgh's First Front Door program, expanding access to first-time buyers who are also first-generation homebuyers. Eligible buyers at or below 120% 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 with prorated recapture on early sale or refinance. Up to $15,000 toward down payment and closing costs. Higher 120% AMI income ceiling. Targets first-generation homebuyers. No monthly payments. Forgiven after 5 years. Can be combined with other assistance. 资金来自FHLBank Pittsburgh member-funded voluntary housing grant program (first-generation homebuyer set-aside)。

First Front Door Keys (Keys)提供最高$15,000的援助。 援助档次：Keys is the first-generation tier of the First Front Door program (higher 120% AMI ceiling vs. 80% AMI for standard FFD). 购房者自付部分：Homebuyer must contribute a minimum of $1,500 of personal funds toward down payment and closing costs. 该项目可与Can be combined with other down payment / closing-cost assistance subject to 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 Keys (Keys)属于补助金，因此无需偿还。 触发还款的情形：A prorated portion of the grant is recaptured if the home is sold or refinanced within the 5-year retention period; secured by a deed restriction (Real Estate Retention Agreement). 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 Keys (Keys)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 eligible primary residence owned in the last three years) AND must qualify as a first-generation homebuyer as defined by FHLBank Pittsburgh. 关于信用，该项目说明：Set 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, via a HUD-approved or FHLBank-approved agency (eHome America, Framework, PHFA, Fannie Mae HomeView, Freddie Mac CreditSmart).提供。 Buyer must qualify as a first-generation homebuyer as defined by FHLBank Pittsburgh, in addition to being a first-time homebuyer. Available only through participating members. Lien position, max purchase price, credit and DTI determined by member underwriting (left null).

First Front Door Keys (Keys)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income must be at or below 120% of area median income (AMI) at the time of registration, per HUD income limits 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 Keys (Keys)可用于Single Family、Condo和Townhouse。

First Front Door Keys (Keys)在其服务群体中提到了第一代购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

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

First Front Door Keys (Keys)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 the annual open round; reservations approved within 10 business days, first-come first-served until funds exhausted.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。