First-Time Homebuyer Assistance Program (HOME Program)

First-Time Homebuyer Assistance Program (HOME Program)是面向Jefferson县，Louisiana购房者的静默第二贷款，由Jefferson Parish Department of Community Development管理。 Jefferson Parish, a HUD HOME Participating Jurisdiction, provides purchase subsidy (down payment/closing cost) assistance to low-to-moderate income first-time homebuyers. Assistance is up to $50,000 per client in Jefferson Parish and up to $60,000 in Kenner, structured as a HOME subsidy subject to a HUD affordability period (5/10/15 years by amount) with recapture on default. Buyers must complete homebuyer training, obtain pre-approval from an Approved Lender using a fixed-rate first mortgage, and purchase a turn-key home in Jefferson Parish/Kenner. Up to $50,000 ($60,000 in Kenner) in HOME-funded down payment and closing cost assistance for eligible LMI first-time homebuyers. 资金来自HUD HOME Investment Partnerships Program (Jefferson Parish is a HOME Participating Jurisdiction)。

First-Time Homebuyer Assistance Program (HOME Program)提供最高$50,000的援助。 援助档次：Up to $50,000 per client in Jefferson Parish; up to $60,000 per client in the City of Kenner。 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Jefferson Parish Department of Community Development决定。

First-Time Homebuyer Assistance Program (HOME 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：Entire HOME assistance becomes immediately due upon an event of default during the affordability period (fraud, sale, no longer principal residence, renting, commercial use, failure to maintain UPCS condition or required insurance, unauthorized refinancing). 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。

First-Time Homebuyer Assistance Program (HOME 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。 关于信用，该项目说明：Set by the applicant's chosen Approved Lender per its underwriting; not set by the program. 须参加购房者教育课程，由HUD-approved housing counseling agencies (Financial Fitness and First-Time Homebuyer Training); certificate valid 2 years.提供。 公民身份或移民身份：Must be a U.S. Citizen or a Legal Alien with permanent residential status. Unpublished (left blank): DPA interest rate, prepayment penalty, min credit score, max DTI, max purchase price dollar amount, min buyer contribution, annual funding cap, new-construction eligibility, max household size/liquid assets. Modeled as silent_second deferred subsidy (recapture-on-default over an affordability period). Income is a banded 51%-80% AMI requirement. 2025 HUD income limits posted confirm active funding; Approved Lenders list dated 10/23/2024.

First-Time Homebuyer Assistance Program (HOME 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 at least 51% and not more than 80% of AMI for the New Orleans-Metairie-Kenner LA MSA. 2025 median $89,800; 80% (Low) 4-person limit = $71,850. A child's income cannot be used to qualify. 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 Assistance Program (HOME Program)的房价上限如下：Home must meet a maximum appraised value under the HOME Program; specific dollar limit not published. 符合条件的房屋类型包括Single Family、Condo和Manufactured。 预制房屋符合条件。

First-Time Homebuyer Assistance Program (HOME Program)服务于在Jefferson县，Louisiana购房的购房者。

First-Time Homebuyer Assistance Program (HOME Program)的申请通过Jefferson Parish 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。 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。