First-Time Homebuyer Program

First-Time Homebuyer Program是面向Liberal，Kansas购房者的可免除贷款。 Liberal's small-city federal-funded FTHB program - $3,000 0% interest soft second mortgage forgiven over 3 years (36 months) on a sliding scale. 125% AMI ceiling. FTHB required (3-year look-back). City-approved FTHB workshop required. Liberal city limits only (Seward County, far SW Kansas). City of Liberal First-Time Homebuyer Program provides up to $3,000 in down payment and/or closing cost assistance, structured as a 0% interest soft second mortgage forgiven on a sliding scale over 36 months. The full $3,000 is forgiven if the borrower owns and occupies the home for the full 3-year period. partial repayment is owed only if the home is sold or destroyed within 36 months (per the published sliding scale: 25-36/36ths repaid in year 1, 13-24/36ths in year 2, 1-12/36ths in year 3). Pairs with the borrower's choice of first mortgage from a qualifying mortgage lender. 资金来自Federal、CDBG、HOME和City。

First-Time Homebuyer Program在3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 over 36 months if owner-occupied和partial repayment owed only if home is sold or destroyed within 36 months (sliding scale: 25-36/36ths in Y1, 13-24/36ths in Y2, 1-12/36ths in Y3)。 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 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 defined as no homeownership in past 3 years; nieces, nephews, and grandparents do not count toward household size unless legal guardianship documented。 关于信用，该项目说明：No published minimum FICO; first-mortgage lender overlays apply。 须参加购房者教育课程，由City-approved FTHB Counseling Workshop providers; certificate of completion required prior to closing.提供。 居住要求：Property must be located within Liberal city limits (Seward County) and used as borrower's principal residence; cannot be leased or rented during city loan term。 公民身份或移民身份：Per CDBG/HOME federal eligibility - U.S. citizen or qualifying non-citizen。 First-time homebuyer (no homeownership in past 3 years). Household income at or below 125% AMI per published Liberal/Seward County limits ($72,375 1-person up to $136,500 8-person). Must take a city-approved FTHB Counseling Workshop and provide certificate of completion prior to closing. All adults in household must provide proof of income. Cannot own real estate at application. Property must be borrower's principal residence and cannot be leased or rented during the city loan term. Application must be submitted to the Building Programs Coordinator at least one month prior to closing. Must be able to qualify for a first mortgage from a mortgage lender. Funds first-come, first-served.

First-Time Homebuyer Program将家庭收入限制在地区收入中位数的125%，该数值因县和家庭人数而异。 Maximum household income up to 125% of area median by household size: 1=$72,375; 2=$82,750; 3=$93,125; 4=$103,375; 5=$111,750; 6=$120,000; 7=$128,250; 8=$136,500. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 maximum purchase price; subject to first-mortgage product limits and CDBG/HOME eligibility for the property。 符合条件的房屋类型包括Single-family detached homes within Liberal city limits和per first-mortgage and federal CDBG/HOME eligibility。 新建房屋符合条件。 预制房屋不符合条件。

First-Time Homebuyer 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 Program服务于在Liberal，Kansas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Submit FTHB Program Application to Building Programs Coordinator at City of Liberal Building Department at least one month prior to closing. Funds awarded first-come, first-served subject to 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。