First Time Homebuyer (FTHB) Program

First Time Homebuyer (FTHB) Program是面向Statewide，Kansas购房者的可免除贷款。 KHRC's flagship federal HOME-funded FTHB program provides a 0% forgivable second mortgage of 15-20% of the purchase price (income-tiered) up to $40,000, forgiven over 10 years. 80% AMI ceiling. 1% borrower contribution. Statewide except Johnson County and the cities of Topeka, Lawrence, Wichita, and Kansas City (which administer their own HOME funds). KHRC FTHB provides a 0% interest forgivable second-mortgage loan funded with federal HOME funds. Loan amount is income-tiered: up to 20% of the home's purchase price for households at or below 50% AMI, or up to 15% of the purchase price for households between 51% and 80% AMI - capped at $40,000. The loan has no monthly payments, no interest accrual, and is forgiven in full if the borrower remains in the home as their primary residence for 10 years. Borrowers must contribute at least 1% (and no more than 10%) of the purchase price out-of-pocket. Pairs with the borrower's choice of a 30-year fixed first mortgage from a KHRC participating lender. 资金来自Federal、HOME和State。

First Time Homebuyer (FTHB) Program按项目规定，提供相当于房价20%的援助。 购房者自付部分：Borrower must contribute at least 1% of purchase price from own funds; not more than 10%。 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 (FTHB) Program在10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 in full at 10-year anniversary if owner-occupies entire term和due in full on sale, refinance, transfer, or vacating the property before 10 years (pro-rata forgiveness may apply per program guidelines)。 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 Homebuyer (FTHB) 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：Displaced homemakers, single parents who only owned a home with an ex-spouse, and prior owners of manufactured homes without permanent foundation may qualify as FTHB。 关于信用，该项目说明：No minimum credit score imposed by KHRC; participating lender / first-mortgage product overlays apply (typically 620-640)。 须参加购房者教育课程，由HUD-approved housing counseling agencies and KHRC-approved homebuyer education providers (e.g., Housing and Credit Counseling Inc., Catholic Charities, Habitat for Humanity affiliates). Pre-purchase counseling required.提供。 居住要求：Property must be located in eligible KHRC service area (Kansas excluding Johnson County, Topeka, Lawrence, Wichita, Kansas City) and used as primary residence。 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays。 First-time homebuyer required (no homeownership in past 3 years; exceptions for displaced homemakers, single parents, and former owners of manufactured homes without permanent foundation). Household income at or below 80% AMI for the county of purchase. Purchase price at or below KHRC county-tiered limits ($219,000-$328,000 by county; $209,000 most common). Borrower must contribute 1%-10% of purchase price from own funds. Must occupy as primary residence for 10 years to fully realize forgiveness. Property must NOT be in Johnson County or within the city limits of Topeka, Lawrence, Wichita, or Kansas City (those jurisdictions administer their own federal HOME funds). Pre-purchase homebuyer counseling required.

First Time Homebuyer (FTHB) 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 at or below 80% AMI (Area Median Income) for the county of purchase, per HUD HOME Program income limits. Range approximately $17,500 (1-person extreme low tier) to $117,650 (large household, higher-AMI county) per 2024 HOME limits effective 6/1/24. 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 (FTHB) Program将房价上限设为$328,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, half of duplex (one side owner-occupied), manufactured home on permanent foundation, new construction。 新建房屋符合条件。 预制房屋符合条件。

First Time Homebuyer (FTHB) 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 Homebuyer (FTHB) Program服务于在Statewide，Kansas购房的购房者。

First Time Homebuyer (FTHB) 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Eligible borrowers complete KHRC online intake form; KHRC staff follows up with eligibility determination and connects borrower with a participating lender. Subject to annual HOME allocation.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。