City of Henderson First Time Homebuyer Program

City of Henderson First Time Homebuyer Program是面向Henderson，Kentucky购房者的延期第二贷款，由City of Henderson Community Development Division管理。 The City of Henderson's First Time Homebuyer Program helps low-income families purchase their first home using federal CDBG/HOME funds. The city provides an interest-free deferred loan of up to the lesser of 6% of the purchase price or $10,000 toward down payment and closing costs, and can additionally loan up to $35,000 for home repairs. The deferred loan carries no monthly payments. Assistance is provided to households on a waiting list as federal funding becomes available. Interest-free deferred loan up to lesser of 6% of purchase price or $10,000 for down payment/closing costs. Up to $35,000 for home repairs. No monthly payments. No prepayment penalty. 资金来自U.S. HUD CDBG and HOME entitlement funds。

City of Henderson First Time Homebuyer Program提供最高$10,000的援助。 援助档次：Down payment/closing costs: lesser of 6% of purchase price or $10,000; Home repairs: up to $35,000 (combined up to $45,000)。 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 Henderson Community Development Division决定。

City of Henderson First Time Homebuyer Program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：Repaid when home is sold, transferred, or no longer the borrower's primary residence; may be repaid early without penalty. 该援助以Second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。

City of Henderson 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。 “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。 居住要求：Home must be located within the City of Henderson。 Applicant must call/email Community Development to be placed on a waiting list; applications mailed when funding is available.

City of Henderson 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 eligibility determined using HUD Section 8 income limits for Henderson County, KY. FY2026 80% (Low Income) 4-person limit = $60,900. 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。

City of Henderson First Time Homebuyer Program可用于Single Family。

City of Henderson First Time Homebuyer Program服务于在Henderson，Kentucky购房的购房者。

City of Henderson First Time Homebuyer Program的申请通过City of Henderson Community Development Division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Waiting list; applications mailed to waitlisted households when funding is available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。