FHLBank Atlanta First-Time Homebuyer Product

FHLBank Atlanta First-Time Homebuyer Product是面向Baltimore，Maryland购房者的可免除贷款。 FHLBank Atlanta Affordable Housing Program 'First-time Homebuyer Product' (FHP). Up to $17,500 forgivable assistance (5-year retention) for first-time buyers at 80% AMI. Funded by FHLB Atlanta; disbursed through member-institution lenders. Available statewide (and across FHLB Atlanta district: AL/DC/FL/GA/MD/NC/SC/VA); Live Baltimore is a Baltimore-City community partner. Up to $17,500 in down payment, closing cost, and/or rehabilitation assistance for first-time homebuyers (increased from $12,500 in 2024 to $17,500 in 2025-2026). Structured as a 5-year forgivable second mortgage retention agreement, secured by a deed restriction. Funded by Federal Home Loan Bank of Atlanta's Affordable Housing Program (AHP) and disbursed through FHLBank Atlanta member institutions. Live Baltimore is a community partner that markets the FTHP product to Baltimore City buyers. eligible buyer can use ANY participating FHLBank Atlanta member bank as the first-mortgage lender. 80% AMI cap. First-time homebuyer required (3-year lookback). Buyer must contribute $1,000+ of own funds. Counseling certificate required from city-approved agency. Eligible properties: owner-occupied 1-4 family, townhouse, condo, foreclosed property, cooperative, manufactured/mobile home, new construction (within 30 days of closing). 资金来自FHLB AHP (Federal Home Loan Bank of Atlanta Affordable Housing Program)。

FHLBank Atlanta First-Time Homebuyer Product提供最高$12,500的援助。 购房者自付部分：Buyer must contribute at least $1,000 of 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。

FHLBank Atlanta First-Time Homebuyer Product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：5-year retention period (deed restriction). If sale/transfer/cash-out refi/non-owner-occupancy within 5 years, prorated unforgiven AHP subsidy is recaptured by FHLBank Atlanta. Forgiven 1/60 per month over 60 months (effectively 5 years prorated). 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。

FHLBank Atlanta First-Time Homebuyer Product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：Standard 3-year FTHB lookback. Displaced-homemaker / single-parent exceptions per HUD. 关于信用，该项目说明：No FHLBank Atlanta-published FHP minimum; first-mortgage lender's product minimums apply. 须参加购房者教育课程，由Baltimore City-approved homeownership counseling agencies. HUD-approved counseling required by FHLBank Atlanta.提供。 居住要求：Property must be in FHLB Atlanta district (Maryland eligible) and serve as primary residence. For Live Baltimore-marketed application, property in Baltimore City. 公民身份或移民身份：Per first-mortgage product rules. First-time homebuyer (no primary residence ownership in past 3 years). Household income at or below 80% AMI for area (Baltimore HMFA: ~$68,450 1-person to $129,050 8-person). Owner-occupied primary residence. $1,000+ buyer contribution. HUD-approved homeownership counseling completed before closing. Must originate first mortgage with FHLBank Atlanta member institution. 5-year retention period - if property is sold/transferred/refinanced (cash-out)/non-owner-occupancy within 5 years, prorated unforgiven balance recaptured by FHLBank Atlanta. Eligible 1-4 family owner-occupied (subject buyer occupies one unit). Apply through participating member lender's AHP coordinator.

FHLBank Atlanta First-Time Homebuyer Product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 (per HUD for property's MSA). Baltimore-Towson HMFA 2026 80% AMI: ~$68,450 (1-person) to $129,050 (8-person). 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。

FHLBank Atlanta First-Time Homebuyer Product的房价上限如下：No FHLBank Atlanta-published purchase-price ceiling; subject to first-mortgage lending limits. 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse、Condominium、2-4 unit owner-occupied、Cooperative、Manufactured home和New construction。 新建房屋符合条件。 预制房屋符合条件。

FHLBank Atlanta First-Time Homebuyer Product服务于在Baltimore，Maryland购房的购房者。

FHLBank Atlanta First-Time Homebuyer Product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Apply through FHLBank Atlanta member institution (your first-mortgage lender). FHP funds reserved at lock; member submits to FHLB Atlanta AHP system. First-come, first-served within annual FHLB Atlanta funding allocation.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。