First Time Homebuyer Program

First Time Homebuyer Program是面向Collinsville，Illinois购房者的可免除贷款。 The City of Collinsville First Time Homebuyer Program, administered by the Community Development Department, provides income-based down payment assistance of up to $5,000 to first-time homebuyers purchasing a primary residence within the City of Collinsville corporate limits. Funded through CDBG/HOME, the assistance is structured as a 5-year forgivable second-mortgage loan; required buyer contribution is set on a graduated scale based on Median Area Income (MAI) tier. Income-based down payment assistance up to $5,000 for first-time homebuyers purchasing a home within City of Collinsville corporate limits. Funded through CDBG/HOME and structured as a 5-year forgivable second-mortgage loan. required buyer contribution is determined by Median Area Income (MAI) tier. Awarded first-come, first-served subject to fund availability. 资金来自Federal HOME、Federal CDBG和Local Government。

First Time Homebuyer Program提供最高$5,000的援助。 购房者自付部分：Buyer contribution determined by MAI tier (graduated by income); contact Community Development for current tier table。 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 Time Homebuyer 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：Loan forgiven over 5 years of continuous owner-occupancy. If sold, transferred, refinanced (cash-out), or no longer primary residence within 5 years, unforgiven balance becomes due. 该援助以2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 Homebuyer 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 = no homeownership in prior 3 years; standard HUD displaced-homemaker / single-parent exceptions apply. 关于信用，该项目说明：No published Collinsville-specific minimum; first-mortgage product credit-score minimums apply。 须参加购房者教育课程，由HUD-approved housing counseling agency; pre-purchase homebuyer education recommended.提供。 居住要求：Property must be located within the corporate limits of the City of Collinsville, IL, and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules。 Applicants must be first-time homebuyers (no homeownership in prior 3 years) and household income must be within program income guidelines (range approximately $21,700 30%-AMI very-low-income tier to $109,000 80%-AMI for the St. Louis HMFA, Madison County portion). Median Area Income (MAI) is used to determine the required buyer contribution level (graduated by income tier). Property must be located within the corporate limits of the City of Collinsville, IL, and be the buyer's primary residence. Application must allow minimum 15 calendar days for City staff processing.

First Time Homebuyer 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 within program income tiers (approximately 30%-80% HUD AMI for the St. Louis HMFA, Madison County portion). 2025 approximate range: $21,700 (1-person, 30% AMI) to $109,000 (8-person, 80% AMI). 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 Program的房价上限如下：No published Collinsville-specific maximum purchase price; subject to first-mortgage product limits and HOME affordability rules. 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyer Program服务于在Collinsville，Illinois购房的购房者。

First Time Homebuyer 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Buyer or lender submits application to City of Collinsville Community Development; minimum 15-day staff review; awarded first-come, first-served subject to fund 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。