City of Kenner First-Time Homebuyers (FTHB) Assistance Program

City of Kenner First-Time Homebuyers (FTHB) Assistance Program是面向Kenner，Louisiana购房者的可免除贷款，由City of Kenner Department of Community Development管理。 The City of Kenner Department of Community Development administers a First-Time Homebuyers (FTHB) Assistance Program using HUD HOME funds through the Jefferson HOME Consortium. Eligible low-to-moderate income first-time buyers (51%-80% AMI) may receive up to $40,000 (up to $50,000 for CHDO-sold properties) as a 0% soft second mortgage for down payment, closing costs, and/or principal buy-down. The soft second is forgiven over a HUD affordability period if the buyer occupies the home as their principal residence. Up to $40,000 in assistance (up to $50,000 if CHDO-sold). 0% soft second mortgage. Forgiven over the HOME affordability period with owner-occupancy. Can be applied to down payment, closing costs, or principal buy-down. Single-family, townhomes, and condos eligible. 资金来自HUD HOME Investment Partnerships Program funds via the Jefferson HOME Consortium.

City of Kenner First-Time Homebuyers (FTHB) Assistance Program提供最高$40,000的援助。 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 Kenner Department of Community Development决定。

City of Kenner First-Time Homebuyers (FTHB) Assistance Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Soft second mortgage; forgiven over the HUD-established affordability period if the home remains the borrower's principal residence. If the property is sold or no longer occupied during the mortgage term, the full mortgage amount becomes due from net sale proceeds (with pro-rata reduction provisions). 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 Kenner First-Time Homebuyers (FTHB) Assistance 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：Applicant or co-borrower must not have owned a home in the past three years. 关于信用，该项目说明：Not specified; set by lender/first mortgage product. 须参加购房者教育课程，由Homebuyer Education Certificate through a HUD-approved counseling agency (online course permitted if combined with one-on-one counseling).提供。 公民身份或移民身份：Buyer and co-borrower must be a U.S. citizen or permanent resident alien. Maximum $5,000 in liquid assets before closing (deferred assets like pensions/401(k) excluded). U.S. citizen or permanent resident alien required. Fixed-rate mortgage only. Back-end DTI cannot exceed 43%. Borrower cannot be delinquent on student loans, federal/state/local taxes, utilities, or City services.

City of Kenner First-Time Homebuyers (FTHB) Assistance 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 must be between 51% and 80% of AMI for the Jefferson HOME Consortium (HUD limits, published annually). Per the program's posted (2019) table: 1 person $37,750; 2 $43,150; 3 $48,550; 4 $53,900; 5 $58,250; 6 $62,550; 7 $66,850; 8 $71,150. Lenders must use the most current HUD limits. 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。

City of Kenner First-Time Homebuyers (FTHB) Assistance Program的房价上限如下：Purchase price/after-rehab value must not exceed 95% of the area median purchase price (HUD HOME value limits). Posted example (eff. April 15, 2019) listed Kenner existing-home limits of $196,000 and $227,000. 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋符合条件。

City of Kenner First-Time Homebuyers (FTHB) Assistance Program服务于在Kenner，Louisiana购房的购房者。

City of Kenner First-Time Homebuyers (FTHB) Assistance Program的申请通过City of Kenner Department of Community Development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Lender (from approved lender list) submits pre-approval and documents to the City; City schedules inspection, environmental review, and eligibility appointment.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。