Frederick County Homebuyer Assistance Program (HAP)

Frederick County Homebuyer Assistance Program (HAP)是面向Frederick县，Maryland购房者的延期第二贷款，由Frederick County Division of Housing (Department of Housing and Community Development)管理。 The Frederick County Homebuyer Assistance Program (HAP) helps local low- and moderate-income families buy their first home by providing up to $12,000 in down payment and closing cost assistance. Assistance is a 0% interest deferred loan secured by a lien, repayable on sale, refinance, transfer, or when the home is no longer the borrower's primary residence. It must be paired with a state or federal first mortgage (FHA, VA, USDA, or CDA/MMP) and may be combined with other assistance programs. Up to $12,000 in down payment/closing cost assistance. 0% interest. Deferred - no monthly payments. Can be layered with other programs. 资金来自Frederick County。

Frederick County Homebuyer Assistance Program (HAP)提供$10,000至$12,000的援助。 援助档次：Households at or below 50% AMI may be eligible for a $12,000 loan; households up to the uncapped 80% AMI may be eligible for a $10,000 loan。 购房者自付部分：Minimum $500 of the buyer's own funds toward the purchase。 该项目可与Other homebuyer assistance programs including House Keys 4 Employees and Maryland Mortgage Program products结合使用。 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Frederick County Division of Housing (Department of Housing and Community Development)决定。

Frederick County Homebuyer Assistance Program (HAP)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 upon sale, refinance, transfer of title, or when the home is no longer the borrower's primary residence。 该援助以Subordinate (lien recorded in Frederick County land records)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。

Frederick County Homebuyer Assistance Program (HAP)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：Must be a first-time homebuyer or not have owned residential property in the last three years。 须参加购房者教育课程，由HUD-approved Housing Counseling Agency; locally Frederick Community Action Agency / City of Frederick提供。 居住要求：Applicants must currently live or work in Frederick County。 Minimum $500 buyer contribution; one-year home warranty and licensed home inspection required before closing; lead paint risk assessment for pre-1978 homes; Frederick County title company for settlement; no co-signors.

Frederick County Homebuyer Assistance Program (HAP)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。 Based on HUD Washington MSA AMI by household size (May 2025). $12,000 loan (50% AMI): 1=$57,400; 2=$65,600; 3=$73,800; 4=$81,950; 5=$88,550; 6=$95,100. $10,000 loan (uncapped 80% AMI): 1=$91,800; 2=$104,900; 3=$118,000; 4=$131,100; 5=$141,600; 6=$152,100. 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。

Frederick County Homebuyer Assistance Program (HAP)可用于Single Family、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Frederick County Homebuyer Assistance Program (HAP)服务于在Frederick县，Maryland购房的购房者。

Frederick County Homebuyer Assistance Program (HAP)的申请通过Frederick County Division of Housing (Department of Housing and Community Development)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; underwritten by DHCD staff after a ratified sales contract; application submitted by the first lender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。