First-Time Homebuyer Loan Program (City of Dubuque)

First-Time Homebuyer Loan Program (City of Dubuque)是面向Dubuque，Iowa购房者的延期第二贷款，由City of Dubuque Housing & Community Development Department管理。 A long-term, no-interest (0%) loan from the City of Dubuque to help income-qualified first-time buyers cover down payment and closing costs for a home anywhere within city limits. Standard loan is $5,000; buyers at or below 30% AMI may receive up to $25,000. A companion First-Time Moderate-Income program serves buyers earning >80% but at or below 100% AMI with a $5,000 loan. 0% interest loan up to $5,000 (up to $25,000 for households at/below 30% AMI). $5,000 repaid over up to 8 years; $25,000 deferred 5 years then $60/month over 35 years.

First-Time Homebuyer Loan Program (City of Dubuque)提供$5,000至$25,000的援助。 援助档次：$5,000 standard (<=80% AMI); up to $25,000 for <=30% AMI; repayment terms tiered by <30/<50/<80% AMI。 购房者自付部分：Minimum 3% of purchase price toward down payment; at least 1% from borrower's own funds, up to 2% may be gifted。 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City of Dubuque Housing & Community Development Department决定。

First-Time Homebuyer Loan Program (City of Dubuque)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：Repayable: $5,000 amortized over up to 8 years; $25,000 deferred 5 years then $60/month for 35 years。 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 Homebuyer Loan Program (City of Dubuque)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。 须参加购房者教育课程，由Finally Home! homebuyer education提供。 Must complete Finally Home! education; first-time homebuyer.

First-Time Homebuyer Loan Program (City of Dubuque)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。 First-time buyers at or below 80% AMI; up to $25,000 for households at/below 30% AMI. Separate moderate-income program serves >80% to <=100% AMI. Specific current dollar chart to be confirmed with City. 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 Homebuyer Loan Program (City of Dubuque)可用于Single Family和Duplex。

First-Time Homebuyer Loan Program (City of Dubuque)服务于在Dubuque，Iowa购房的购房者。 目标社区：City of Dubuque limits。

First-Time Homebuyer Loan Program (City of Dubuque)的申请通过City of Dubuque Housing & Community Development Department办理，该机构在其网站上公布现行条款和申请步骤。 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。