First Time Homeowner Downpayment Assistance Program

First Time Homeowner Downpayment Assistance Program是面向Haverhill，Massachusetts购房者的可免除贷款。 The City of Haverhill's First Time Homeowner Downpayment Assistance Program is a HUD HOME-funded forgivable loan targeted at the Mount Washington and Lower Acre neighborhoods - two HUD-designated low-and-moderate-income census tracts where the City directs neighborhood revitalization investment. Up to $15,000 is provided as a 5-year, 20%-per-year forgivable second mortgage administered by the Community Development Department. Up to $15,000 for down payment and/or closing costs as a 0% interest forgivable loan for eligible first-time homebuyers purchasing in the Mount Washington and Lower Acre neighborhoods of Haverhill (designated low- and moderate-income target areas). Loan term is 5 years with 20% of original balance forgiven each year that the buyer occupies the property as primary residence. fully forgiven at year 5. 资金来自HOME、CDBG、Federal和Local Government。

First Time Homeowner Downpayment Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：0% interest forgivable loan和balance forgiven 20% per year over 5 years of continuous primary occupancy. Pro-rata recapture if buyer sells, transfers, or vacates the property prior to year 5. 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 Homeowner 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 (no ownership in prior 3 years) or displaced homemaker. 关于信用，该项目说明：Determined by first-mortgage product (typical 620-640 floor). 须参加购房者教育课程，由HUD-approved homebuyer counseling (MVHP, North Shore HOME Consortium counselors, NeighborWorks); 8-hour pre-purchase certificate required.提供。 居住要求：Property must be in the Mount Washington or Lower Acre neighborhood of Haverhill and the buyer's primary residence for the 5-year mortgage term. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME rules. First-time homebuyer (no ownership in prior 3 years); property in Mount Washington or Lower Acre target neighborhoods; minimum 1.5% of purchase price from buyer's own funds; HUD HQS inspection by City Rehabilitation Specialist; MA lead-paint compliance; primary-residence occupancy for full 5-year mortgage term; complete HUD-approved homebuyer education.

First Time Homeowner Downpayment 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 at or below 80% AMI Lawrence/Lowell HMFA: approx. $68,500 1-person to $129,100 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。

First Time Homeowner Downpayment Assistance Program将房价上限设为$939,000。 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。

First Time Homeowner Downpayment Assistance Program服务于在Haverhill，Massachusetts购房的购房者。 该项目针对特定区域：Mount Washington and Lower Acre neighborhoods within the City of Haverhill (HUD low/mod-income target areas).

First Time Homeowner Downpayment Assistance 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 upon application to Haverhill CDD with lender pre-approval.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。