First Time Home Buyers Program (FTHB)

First Time Home Buyers Program (FTHB)是面向Lawrence，Massachusetts购房者的延期第二贷款。 The City of Lawrence First Time Home Buyers (FTHB) Program assists low-to-moderate-income families purchasing residential, owner-occupied 1-4 unit property in Lawrence. Funded by HUD HOME and CDBG funds and administered by the City's Community Development Department, the program provides up to 5% of purchase price (not to exceed $25,000) as a 0% deferred second-lien loan with no monthly payments. Buyers must contribute 1.5% of the purchase price (or minimum $2,000) from their own funds and complete a CHAPA/HUD-approved homebuyer class. Awarded on a first-come, first-served basis once the buyer is under contract. Up to 5% of the purchase price (not to exceed $25,000) in down payment and eligible closing-cost assistance for income-qualified first-time buyers purchasing an owner-occupied 1-4 unit residential property in the City of Lawrence. Provided as a zero-interest deferred second-lien loan with no monthly payment for the life of the loan. 资金来自HOME、CDBG、Federal和Local Government。

First Time Home Buyers Program (FTHB)按项目规定，提供相当于房价5%的援助。 该项目要求购房者自付1.5% of the purchase price (or minimum $2,000 if purchase price below $100,000) from buyer's own funds。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

First Time Home Buyers Program (FTHB)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：Due in full at sale, refinance, transfer of title, or when property is no longer the borrower's principal residence (deferred for life of first mortgage). 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。

First Time Home Buyers Program (FTHB)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 buyer required; no ownership in past 3 years (single-parent and displaced-homemaker exceptions apply). 关于信用，该项目说明：Not formally published; per City underwriting standards, generally 620+ minimum (matches first-mortgage product floor)。 须参加购房者教育课程，由ACT Lawrence、Merrimack Valley Housing Partnership (MVHP)和HUD-approved housing counseling agencies (CHAPA-certified)提供。 居住要求：Property must be located within the City of Lawrence and used as the borrower's principal residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME and first-mortgage rules。 First-time buyer required (no homeownership in past 3 years). Buyer must contribute 1.5% of the purchase price toward the down payment, or a minimum $2,000 on purchase prices below $100,000. Property must be located in Lawrence, owner-occupied, principal residence. Buyer must complete a CHAPA-approved homebuyer class and obtain pre-approval letter prior to scheduling an Intake Session at the Community Development Department. Apply only after acquiring an executed offer to purchase. Loan is a zero-interest deferred second-lien with no monthly payment, repayable upon sale, transfer, refinance, or change of occupancy. Property must meet HUD HOME / lead-paint standards.

First Time Home Buyers Program (FTHB)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 at or below 80% HUD AMI for the Lawrence MA-NH HMFA: 1-person $55,950 to 8-person $86,300 (rounded; FY2025 HUD limits, current as of April 2026). 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。

First Time Home Buyers Program (FTHB)将房价上限设为$821,000。 符合条件的房屋类型包括Single-family detached、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

First Time Home Buyers Program (FTHB)服务于在Lawrence，Massachusetts购房的购房者。

First Time Home Buyers Program (FTHB)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Applicant schedules an Intake Session with City Community Development; first-come, first-served once buyer has executed offer to purchase.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。