First Generation Homebuyer

First Generation Homebuyer是面向Multiple县，Georgia购房者的补助金。 ANDP's First Generation Homebuyer Program is a true $12,000 grant (no repayment, no lien, no forgiveness clock) targeted at first-generation buyers purchasing an ANDP-developed home in metro Atlanta. ANDP defines a first-generation homebuyer as one whose parents have never owned a home, or who lost a parent-owned home through foreclosure or short sale, and who do not currently own a home. The grant is delivered at closing through the buyer's approved lender and may be used for closing costs, down payment, principal reduction, or interest-rate buydown. ANDP develops single-family homes across DeKalb, Fulton, Clayton, Cobb, Gwinnett and other metro Atlanta counties — all eligible properties are within ANDP's affordable-homeownership portfolio. $12,000 grant at closing to qualifying first-generation homebuyers purchasing an ANDP home. Funds may be applied to closing costs, down payment, principal reduction, or to buy down points on the first mortgage. True grant — no repayment, no lien, no forgiveness period. 资金来自ANDP capital partners and philanthropic / CDFI funding (HouseATL, Wells Fargo, JPMorgan Chase, Truist, others)。

First Generation Homebuyer提供最高$12,000的援助。 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 Generation Homebuyer属于补助金，因此无需偿还。 触发还款的情形：None — true grant, not repayable。 该援助以No lien (grant)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 Generation Homebuyer面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Determined by approved lender (typically 620-640+ for FHA/Conventional)。 须参加购房者教育课程，由ANDP-approved HUD-certified homebuyer education partners提供。 居住要求：Must purchase an ANDP-developed home in metro Atlanta and occupy as primary residence。 First-generation homebuyer required: applicant's parents have never owned a home, OR applicant lost a parent-owned home through foreclosure or short sale and does not currently own a home. Household income at or below 120% of Area Median Income for the Atlanta-Sandy Springs-Roswell MSA. Home must be purchased from ANDP's portfolio of homes for sale (no investor sales). Must use one of ANDP's approved lenders. Must complete pre-purchase homebuyer education. Owner-occupied primary residence required.

First Generation Homebuyer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。 Total household income must be below 120% of AMI for the Atlanta-Sandy Springs-Roswell MSA. Approximate range by household size: 1p $63,950 — 8p+ $180,900. ANDP publishes a current household-size table on the program page. 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 Generation Homebuyer的房价上限如下：Limited to homes for sale in ANDP's portfolio (priced affordably to be reachable for households at or below 120% AMI)。 符合条件的房屋类型包括Single-Family和Townhome。 新建房屋符合条件。 预制房屋不符合条件。

First Generation Homebuyer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 Generation Homebuyer服务于在Multiple县，Georgia购房的购房者。 该项目针对特定区域：Metro Atlanta neighborhoods where ANDP develops affordable homeownership product (DeKalb, Fulton, Clayton, Cobb, Gwinnett, Henry and other metro counties as homes become available)。

First Generation Homebuyer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Buyer's real-estate agent contacts ANDP's listing agent and submits an offer; grant reserved when buyer goes under contract on an ANDP home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。