Fulton Homeownership Program

Fulton Homeownership Program是面向Fulton县，Georgia购房者的延期第二贷款。 The Fulton Homeownership Program (HOP) provides up to 7.5% of the sales price (not to exceed $22,500) in down payment, closing-cost, and interest-rate buydown assistance for first-time homebuyers purchasing a primary residence in Fulton County (excluding Atlanta city limits, which Invest Atlanta serves). The assistance is a 0% interest, deferred-payment second mortgage funded with HUD HOME Investment Partnerships funds. 20% of the principal is forgiven annually beginning on the 2nd anniversary of closing; the loan is fully forgiven if the homebuyer continues to occupy the home as their primary residence through the 6- or 11-year affordability period (period set by assistance amount). Up to 7.5% of the sales price (capped at $22,500) in down payment, closing-cost and interest-rate buydown assistance. 0% interest, deferred-payment second mortgage. 20% of the loan balance forgiven annually starting on the 2nd anniversary of closing. loan fully forgiven if buyer remains owner-occupant through the 6- or 11-year affordability period (varies by amount). 资金来自HUD HOME Investment Partnerships Program。

Fulton Homeownership Program按项目规定，提供相当于房价7.5%的援助。 购房者自付部分：Borrower contribution per first-mortgage product guidelines。 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。

Fulton Homeownership Program在11年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, refinance (cash-out), or loss of owner-occupancy before the 6- or 11-year affordability period ends。 该援助以Subordinate (2nd lien)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。

Fulton Homeownership 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：First-time homebuyer requirement waived for displaced homemakers and single parents per HOME rules。 关于信用，该项目说明：600 minimum FICO。 须参加购房者教育课程，由HUD-approved homebuyer education provider (8-hour course)提供。 居住要求：Property must be in Fulton County (outside the City of Atlanta) and used as primary residence。 公民身份或移民身份：U.S. citizen or qualified alien。 First-time homebuyer required (no ownership in past 3 years). Household income at or below 80% of HUD HOME Income Limits for the Atlanta MSA (varies by household size; approximately $63,650 for a 1-person to $120,600 for an 8-person household). 600 minimum FICO. Buyer must qualify on own credit (no co-signers). 30-year fixed-rate first mortgage required. Property must be located in unincorporated Fulton County or a participating Fulton municipality (excluding Atlanta city limits, which has its own programs). Maximum purchase price $347,000 (existing) / $367,000 (new construction) per HUD HOME 95% median rule. Liquid-asset cap applies. 6- or 11-year affordability period depending on assistance amount.

Fulton Homeownership 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。 Household income must be at or below 80% of HUD HOME Income Limits for Fulton County / Atlanta MSA. Approximate by household size: 1p $63,650; 4p $90,900; 8p $120,600. Updated annually by HUD. 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。

Fulton Homeownership Program将房价上限设为$367,000。 符合条件的房屋类型包括Single-Family、Townhome和Condo。 新建房屋符合条件。 预制房屋不符合条件。

Fulton Homeownership Program服务于在Fulton县，Georgia购房的购房者。 该项目针对特定区域：All of Fulton County outside the City of Atlanta city limits (City of Atlanta is served by Invest Atlanta)。

Fulton Homeownership 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Borrower applies through approved HOP lender; documents emailed to DownPayment.Assistance@fultoncountyga.gov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。