First-Time Homebuyers Incentive Program

First-Time Homebuyers Incentive Program是面向Baltimore，Maryland购房者的可免除贷款。 Foundational Baltimore City DPA incentive: $10,000 forgivable second for first-time buyers, 5-year 20%/year forgiveness, 80% AMI cap, Baltimore City only. Pairs with MMP and FHA/VA/USDA/conventional first mortgages. $10,000 down payment and closing cost assistance for first-time homebuyers in Baltimore City (formerly $5,000. DOUBLED to $10,000 by Mayor Brandon Scott in April 2023). Structured as a 0% interest 5-year forgivable second mortgage, forgiven 20% per year over 5 years of continued owner-occupancy. Formerly known as the Community Development Block Grant (CDBG) Homeownership Assistance Program. 80% AMI household income cap. First-time homebuyers only. Property must be in Baltimore City. Buyer must contribute $1,000+ of own funds. Homeownership counseling certificate from city-approved agency required (valid 12 months). Pairs broadly with Maryland Mortgage Program (MMP) and other FHA/VA/USDA/conventional first mortgages. Foundational stackable Baltimore City incentive that other DHCD bonuses (Direct Homeownership Assistance +$5,000 for renters/disabled households) layer on top of. 资金来自Federal CDBG和Local Government。

First-Time Homebuyers Incentive 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：Forgiven 20%/year over 5 years of continuous owner-occupancy. Prorated unforgiven balance due on sale, transfer, cash-out refi, or non-owner-occupancy 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。

First-Time Homebuyers Incentive 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：Single-parent / displaced-homemaker exceptions per HUD definition. 关于信用，该项目说明：No DHCD-published FTHIP minimum; first-mortgage lender's product minimums apply (typically 620-640). 须参加购房者教育课程，由Baltimore City-approved homeownership counseling agencies: NHS of Baltimore, Druid Heights CDC, Belair-Edison Neighborhoods, Southeast CDC, GO Northwest, St. Ambrose Housing Aid Center, Diversified Housing Development.提供。 居住要求：Property must be in Baltimore City corporate limits and serve as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules. First-time homebuyer (no primary residence ownership in past 3 years; displaced-homemaker / single-parent exceptions per HUD). 80% AMI household income cap. Owner-occupied primary residence. Property must be in Baltimore City limits. $1,000 minimum buyer contribution from own funds. Homeownership counseling certificate (workshop + counseling session) from city-approved agency, valid 12 months. Fixed-rate first mortgage only (no ARMs, balloons, cash, owner-financing, co-signers). Mortgage cannot exceed FHA loan limit ($731,400). Housing Quality Standard (HQS) inspection required. Apply and be approved before closing.

First-Time Homebuyers Incentive 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 for Baltimore HMFA, by household size. Approximate 2026 80% AMI: $68,450 (1-person) to $129,050 (8-person). Verify current at livebaltimore.com/annual-median-income-limits-for-baltimore-city. 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。

First-Time Homebuyers Incentive Program的房价上限如下：First-mortgage amount cannot exceed FHA loan limit for Baltimore MSA ($731,400 single-family). 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse、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 Homebuyers Incentive Program服务于在Baltimore，Maryland购房的购房者。

First-Time Homebuyers Incentive 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Apply online via Baltimore Applicant Portal (https://applicantportal.dhcd.baltimorecity.gov). First-come, first-served subject to fund availability. Pre-approval required before closing.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。