LPTFA First Time Homebuyers Downpayment Assistance Program

LPTFA First Time Homebuyers Downpayment Assistance Program是面向Lafayette，Louisiana购房者的需偿还的第二贷款，由Lafayette Public Trust Financing Authority (LPTFA)管理。 The Lafayette Public Trust Financing Authority offers a First Time Homebuyers Downpayment Assistance Program to help qualified buyers obtain an affordable first mortgage through a participating private lender. Provides a repayable second-mortgage loan applied toward down payment and/or closing costs. A 5% interest loan up to $8,000 applied toward down payment and/or closing costs (monthly payment $63.26), secured by a second mortgage.

LPTFA First Time Homebuyers Downpayment Assistance Program提供最高$8,000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Lafayette Public Trust Financing Authority (LPTFA)决定。

LPTFA First Time Homebuyers Downpayment Assistance Program是需偿还的第二贷款，按Lafayette Public Trust Financing Authority (LPTFA)设定的条款偿还。 触发还款的情形：Loan repaid via monthly payments ($63.26) over a 15-year term; becomes due in full if borrower no longer occupies home as principal residence before end of 15-year term. 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。

LPTFA First Time Homebuyers Downpayment 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：First-time homebuyer = has not owned a home as a primary residence in the past three years; displaced homemakers also eligible. 须参加购房者教育课程，由First-time homebuyer training program; LCG Community Development Neighborhood Services Home Ownership Training (HOT) Course (337-291-5452)提供。 Loan due in full if the original homebuyer no longer occupies the home as principal residence before the end of the 15-year loan term. No prepayment penalty. Applicant must have a current signed purchase agreement and meet the participating lender's/mortgage insurer's credit and loan requirements. LPTFA is a separate entity from Lafayette Consolidated Government's Housing Loans FTHB program.

LPTFA First Time Homebuyers Downpayment Assistance Program的收入限制如下：Maximum annual income: family size 2 or less = $78,600; family size 3 or more = $91,700. Adjusted gross income must not exceed maximum allowable for single-family MRB programs administered by LHC or LPTFA. 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。

LPTFA First Time Homebuyers Downpayment Assistance Program将房价上限设为$316,177。 符合条件的房屋类型包括single_family、townhome和condo。 新建房屋符合条件。 预制房屋不符合条件。

LPTFA First Time Homebuyers Downpayment Assistance Program服务于在Lafayette，Louisiana购房的购房者。

LPTFA First Time Homebuyers Downpayment Assistance Program的申请通过Lafayette Public Trust Financing Authority (LPTFA)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。