First Start Homebuyers' Program

First Start Homebuyers' Program是面向Wilmington，Delaware购房者的延期第二贷款。 First Start is the City of Wilmington's flagship first-time homebuyer down payment and closing-cost assistance program, administered by the Department of Real Estate & Housing. It provides a deferred 0%-interest second-mortgage of up to the lesser of $15,000 or 6% of the purchase price, structured in two income tiers (CDBG-funded up to 80% AMI; city general funds up to 100% AMI) for buyers purchasing single-family primary residences inside Wilmington city limits. Down payment and closing-cost assistance up to the lesser of $15,000 or 6% of the property purchase price for first-time homebuyers purchasing a single-family primary residence within the City of Wilmington. Funded through two tiers: (1) federal CDBG funds for households at or below 80% AMI, and (2) Wilmington general funds for households up to 100% AMI. Structured as a deferred (zero-interest) second mortgage repayable upon sale, transfer, refinance, or loss of owner-occupancy. 资金来自Federal CDBG和Local Government。

First Start Homebuyers' Program按项目规定，提供相当于房价6%的援助。 购房者自付部分：Minimum $1,000 of buyer's own funds required at closing。 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管理该项目的机构决定。

First Start Homebuyers' 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：Deferred second mortgage和principal becomes due upon sale, transfer, refinance (cash-out), or loss of owner-occupancy. No monthly payments during occupancy. 该援助以2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。

First Start Homebuyers' 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：Single-parent and displaced-homemaker exceptions to the 3-year first-time-homebuyer rule per HUD definitions。 关于信用，该项目说明：No published Wilmington-specific minimum; first-mortgage product credit-score minimums apply。 须参加购房者教育课程，由HUD-approved housing counseling agency (e.g., Interfaith Community Housing of Delaware, NeighborGood Partners, Neighborhood House); pre-purchase homeownership counseling required.提供。 居住要求：Property must be located within the corporate limits of the City of Wilmington, DE, and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules。 Buyer must be a first-time homebuyer (no homeownership in prior 3 years), displaced homemaker, or single parent. Minimum $1,000 buyer contribution required. Property must be a single-family home (1-unit) located within the City of Wilmington and serve as buyer's primary residence. Buyer must obtain a fixed-rate first mortgage with a term of 30 years or less. Income tier determines funding pool: CDBG funds for households at or below 80% AMI; City general funds for households up to 100% AMI. Pre-purchase HUD-approved housing counseling required. Application must be submitted by participating lender or housing counselor through the Neighborly online portal.

First Start Homebuyers' Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Two-tier qualifying income: Tier 1 (CDBG-funded) at or below 80% HUD AMI for the Wilmington/New Castle County HUD income area; Tier 2 (City general funds) up to 100% HUD AMI. Income range across household sizes spans approximately $64,250 (1-person, 80% AMI) to $151,500 (8-person, 100% AMI) under current HUD limits. 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 Start Homebuyers' Program的房价上限如下：No published Wilmington-specific maximum; property must be located within the City of Wilmington and within FHA/Conventional first-mortgage limits. 符合条件的房屋类型包括Single-family detached。 新建房屋符合条件。 预制房屋不符合条件。

First Start Homebuyers' Program服务于在Wilmington，Delaware购房的购房者。

First Start Homebuyers' Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender or housing counselor submits application through the Neighborly online portal; funds awarded on a first-come, first-served basis subject to availability.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。