Neighborhoods First - First-Time Homebuyer Assistance Program

Neighborhoods First - First-Time Homebuyer Assistance Program是面向New Bedford，Massachusetts购房者的延期第二贷款。 Neighborhoods First is the City of New Bedford's longstanding HUD HOME-funded down-payment and closing-cost assistance program for low-income (<=80% AMI) first-time homebuyers. It functions as a 0% interest deferred-payment second mortgage and is administered by the New Bedford Office of Housing & Community Development. The program operates alongside the larger ARPA-funded Enhanced FTHB Program (up to 120% AMI). HUD HOME-funded down-payment and closing-cost assistance up to $10,000 for income-eligible (<= 80% AMI) first-time homebuyers purchasing within the City of New Bedford. Structured as a 0% interest deferred-payment second mortgage repayable upon sale, refinance with cash-out, or loss of primary residence. subject to HUD HOME affordability period (typically 5-15 years depending on subsidy amount). 资金来自HOME、Federal和Local Government。

Neighborhoods First - First-Time Homebuyer Assistance 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：Deferred 0% second-mortgage repayable upon sale, refinance with cash-out, transfer of title, or loss of primary-residence status和recapture per HUD HOME affordability rules. 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。

Neighborhoods First - First-Time Homebuyer 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：First-mortgage lender determines; typical 620-640 floor. 须参加购房者教育课程，由HUD-approved homebuyer-education provider (PACE, NeighborWorks Southern Mass); pre-purchase education and post-purchase session required.提供。 居住要求：Property must be in City of New Bedford and buyer's primary residence for the HUD HOME affordability period. 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); household income at or below 80% AMI New Bedford HMFA (approx. $61,350 1-person to $115,650 8-person FY26); property in New Bedford as primary residence; HUD HOME affordability covenant (5-15 years based on subsidy); HUD HQS / lead-safe inspection; complete HUD-approved homebuyer education.

Neighborhoods First - First-Time Homebuyer 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 New Bedford HMFA: ~$61,350 1-person, $70,100 2-person, $78,850 3-person, $87,600 4-person, up to ~$115,650 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。

Neighborhoods First - First-Time Homebuyer Assistance Program的房价上限如下：Subject to HUD HOME 95% area median purchase price limits for the New Bedford HMFA. 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。

Neighborhoods First - First-Time Homebuyer Assistance Program服务于在New Bedford，Massachusetts购房的购房者。 该项目针对特定区域：City of New Bedford with focus on HUD-designated CDBG / Neighborhood Strategy areas.

Neighborhoods First - First-Time Homebuyer 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 HCD application 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。