Enhanced First-Time Homebuyer Program

Enhanced First-Time Homebuyer Program是面向New Bedford，Massachusetts购房者的补助金。 The Enhanced First-Time Homebuyer Program is the City of New Bedford's expanded ARPA-funded forgivable grant launched to broaden access to homeownership for moderate-income (up to 120% AMI) first-time buyers. It supplements the City's longstanding HOME-funded Neighborhoods First DPA (capped at 80% AMI). Funds may be used for down payment, closing costs, or interest-rate buydown. Awards are secured by a 5-year affordability deed restriction; the grant is fully forgiven if the buyer continuously occupies the home as primary residence for 5 years. ARPA-funded enhanced grant of up to $35,000 (originally up to $25,000) toward down payment, closing costs, and interest-rate buydown for income-eligible first-time homebuyers purchasing in the City of New Bedford. Structured as a 5-year forgivable grant secured by a deed restriction. balance forgiven entirely if buyer remains in the property as primary residence for the 5-year compliance period. Funding is finite (ARPA / SLFRF) and the program is winding down as ARPA dollars are exhausted, but the City has indicated it will continue prioritizing homeownership programs as future federal funding allows. 资金来自ARPA、SLFRF、Federal和Local Government。

Enhanced First-Time Homebuyer Program属于补助金，因此无需偿还。 触发还款的情形：Forgivable grant: 100% forgiven after 5 years of continuous primary occupancy和full repayment owed if home is sold, transferred, refinanced with cash-out, or ceases to be primary residence within 5 years. 该援助以2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。

Enhanced 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。 此处的“首次”有例外情况：First-time homebuyer (no ownership of residential real estate in prior 3 years) or displaced homemaker. 关于信用，该项目说明：No fixed program minimum; first-mortgage lender determines (typical floor 620-640). 须参加购房者教育课程，由HUD-approved homebuyer-education agency (typically PACE/Plan-It Smart or NeighborWorks Southern Mass); 8-hour pre-purchase education plus post-purchase session required.提供。 居住要求：Property must be in the City of New Bedford and the buyer's primary residence for at least 5 years. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by federal program rules. First-time homebuyer (no homeownership in prior 3 years); household income at or below 120% AMI for the New Bedford HMFA (approx. $92,050 1-person to $173,500 8-person FY26); property must be in New Bedford and be primary residence for 5 years; visual lead-safe and code inspection required; complete HUD-approved homebuyer education.

Enhanced First-Time Homebuyer Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income at or below 120% AMI for New Bedford HMFA: ~$92,050 1-person, $105,200 2-person, $118,350 3-person, $131,500 4-person, up to ~$173,500 8-person (FY26). 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。

Enhanced First-Time Homebuyer Program的房价上限如下：No fixed cap; property must comply with HUD HOME / SLFRF underwriting reasonableness review. 符合条件的房屋类型包括Single-family detached、Two-family、Three-family和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Enhanced First-Time Homebuyer Program在其服务群体中提到了教育工作者、执法人员和消防员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Enhanced First-Time Homebuyer Program服务于在New Bedford，Massachusetts购房的购房者。

Enhanced First-Time Homebuyer Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served; applicant submits HCD application with lender pre-approval. ARPA funding is finite and program is nearly fully committed.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。