First Time Home Buyer Program

First Time Home Buyer Program是面向Cedar Rapids，Iowa购房者的可免除贷款。 Cedar Rapids First Time Home Buyer Program — HOME/CDBG-funded 0% interest forgivable 2nd mortgage up to $14,999, 5-year forgiveness, for FTHB at 80% AMI in Cedar Rapids city limits. $193,000 max purchase price. Cedar Rapids First Time Home Buyer Program provides up to $14,999 in down-payment and closing-cost assistance as a 0% interest forgivable second mortgage. Forgiven over 5 years (20% per year) provided the borrower remains in the home as primary residence. HOME/CDBG-funded. Cedar Rapids city limits only. 资金来自Local、HOME和CDBG。

First Time Home Buyer Program在5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：Forgiven 20% per year over 5 years和full repayment due if borrower sells, refinances, or vacates within 5 years。 该援助以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。

First Time Home Buyer 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：FTHB rule applies (no exceptions for veterans documented in current City guidance — verify at intake)。 关于信用，该项目说明：Per first-mortgage lender overlays。 须参加购房者教育课程，由HUD-approved homebuyer education through Horizons, Iowa State University Extension, or other City-approved counseling agencies; required prior to closing.提供。 居住要求：Property must be located within Cedar Rapids city limits and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME rules。 First-time homebuyer required (no homeownership in past 3 years). Household income at or below 80% AMI for Linn County (~$35,200-$119,000 by household size; verify current limits with City). Maximum purchase price $193,000. Property must be in Cedar Rapids city limits and primary residence. HUD-approved homebuyer education required prior to closing. 5-year owner-occupancy / forgiveness covenant; full repayment owed if borrower sells, refinances out, or vacates within 5 years.

First Time Home Buyer 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。 80% AMI Linn County / Cedar Rapids MSA — typically $35,200 (1 person) up to $119,000 (8+ person) by household size, per HUD published 2025/2026 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 Time Home Buyer Program将房价上限设为$219,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, manufactured home on permanent foundation。 新建房屋符合条件。 预制房屋符合条件。

First Time Home Buyer Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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 Time Home Buyer Program服务于在Cedar Rapids，Iowa购房的购房者。

First Time Home Buyer 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Application through City of Cedar Rapids Housing Services; subject to annual HOME/CDBG allocation 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。