KHRC First Time Homebuyer Program (FTHB)

KHRC First Time Homebuyer Program (FTHB)是面向Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County)，Kansas购房者的可免除贷款，由Kansas Housing Resources Corporation (KHRC)管理。 The KHRC First Time Homebuyer Program provides HOME-funded forgivable second mortgage assistance of 15% or 20% of the purchase price (up to $40,000) for income-eligible first-time buyers anywhere in Kansas except Kansas City, Lawrence, Topeka, Wichita city limits, and Johnson County. No monthly payments are required and the loan is fully forgiven after 10 years of owner-occupancy. Buyers must invest at least 1% of the purchase price from personal funds and complete HUD-approved homebuyer counseling. 15-20% of purchase price, up to $40,000. 0% interest, no monthly payments. Fully forgiven after 10 years. No minimum credit score from KHRC. Covers down payment and/or closing costs. 资金来自HUD HOME Investment Partnerships Program。

KHRC First Time Homebuyer Program (FTHB)提供$1,000至$40,000的援助。 援助档次：15% of purchase price for households 51%-80% AMI; 20% of purchase price for households at or below 50% AMI; maximum $40,000。 购房者自付部分：Buyer must invest minimum 1% of sale price from own funds; maximum buyer contribution 10%. Gifts allowed above 1% but no more than 9%. 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Kansas Housing Resources Corporation (KHRC)决定。

KHRC First Time Homebuyer Program (FTHB)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：Sale, rental conversion, or refinancing without KHRC approval within 10-year affordability period triggers partial or full recapture. Subsidy split equally: interest-free soft second (forgiven over 60 months if under $15,000, or 120 months if $15,000+) and interest-free portion (repaid in full on sale within 10 years). 该援助以Second mortgage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。

KHRC First Time Homebuyer Program (FTHB)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 and single parents meeting specific criteria may qualify even if they owned within 3 years. 关于信用，该项目说明：No minimum credit score required by KHRC; must qualify for first mortgage at market-rate interest. 须参加购房者教育课程，由HUD-approved housing counseling agency; both one-on-one counseling session and homebuyer education course required.提供。 居住要求：Must reside in purchased home。 公民身份或移民身份：U.S. citizens or lawful permanent resident aliens only; valid Social Security number required. Not available in Kansas City, Lawrence, Topeka, Wichita city limits, or Johnson County. Properties must pass KHRC inspection per HOME Final Rule 92.251. Max $10,000 in non-retirement assets before spend-down required. 30-year first mortgage interest rate cannot exceed Freddie Mac PMMS by more than 0.65%. Co-signers not allowed. Income limits are HOME limits (county-specific), not LIHTC limits.

KHRC First Time Homebuyer Program (FTHB)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。 At or below 80% of HUD HOME area median income (county-specific). In 2026: Allen County 4-person limit $67,300; Sedgwick County $75,050; Leavenworth County $89,100. Full limits at kshousingcorp.org. 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。

KHRC First Time Homebuyer Program (FTHB)将房价上限设为$219,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

KHRC First Time Homebuyer Program (FTHB)服务于在Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County)，Kansas购房的购房者。

KHRC First Time Homebuyer Program (FTHB)的申请通过Kansas Housing Resources Corporation (KHRC)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。