M&T Bank First-Time Homebuyer Grant Program

M&T Bank First-Time Homebuyer Grant Program是面向Delaware购房者的补助金，由M&T Bank (Manufacturers and Traders Trust Company)管理。 M&T Bank offers grant funds to first-time homebuyers that can be applied toward the down payment (only permitted in certain areas), closing costs, other out-of-pocket costs, and mortgage insurance. The grant is available on purchase mortgages when the property securing the loan is located in a low-to-moderate-income (LMI) census tract and the borrower's income is at or below 80% of the HUD area median income in eligible counties, which include select Delaware counties. M&T also offers its exclusive Home Starter Mortgage (3% down, as little as 1% out of pocket, no borrower-paid mortgage insurance) that is available in select Delaware counties and can be paired with grant funds. Grant funds for down payment (in eligible areas), closing costs, out-of-pocket costs, and mortgage insurance. No repayment. Pairs with M&T Home Starter Mortgage (3% down / 1% out of pocket, no borrower-paid MI). 资金来自M&T Bank (lender-funded; CRA/affordable lending)。

M&T Bank First-Time Homebuyer Grant Program属于补助金，因此无需偿还。 触发还款的情形：None indicated - described as grant funds. 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。

M&T Bank First-Time Homebuyer Grant Program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。 关于信用，该项目说明：Home Starter Mortgage allows non-traditional credit (rent/utility history) where credit history is insufficient; specific minimum not published. 居住要求：Property must be a primary residence in an eligible Delaware county; for the grant, in an LMI census tract. Lender grant available in select Delaware counties (LMI census tract + borrower income at/below 80% AMI). Verified active on the official M&T 'Affordable Mortgages' page (modified May 2026). Down-payment use of grant funds is only permitted in certain areas.

M&T Bank First-Time Homebuyer Grant 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。 For the grant, borrower income must be at or below 80% of the HUD area median income in eligible counties AND the property must be in an LMI census tract. For the Home Starter Mortgage, the income limit is 80% of AMI by household size unless the property is in an LMI census tract, in which case no income limit applies. Exact dollar figures by county/household size are not published. 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。

M&T Bank First-Time Homebuyer Grant Program可用于Single Family、Condo、Townhouse和2-4 Unit。

M&T Bank First-Time Homebuyer Grant Program服务于在Delaware任何地方购房的购房者。

M&T Bank First-Time Homebuyer Grant Program的申请通过M&T Bank (Manufacturers and Traders Trust Company)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Through an M&T mortgage representative; eligibility tied to property census tract and borrower income.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。