Auburn-Lewiston HOME Consortium HOMEbuyer Assistance Program

Auburn-Lewiston HOME Consortium HOMEbuyer Assistance Program是面向Auburn，Maine购房者的延期第二贷款，由City of Auburn Business & Community Development (lead, Auburn-Lewiston HOME Consortium) with City of Lewiston Economic & Community Development管理。 The Auburn-Lewiston HOME Consortium (Auburn is the lead HOME recipient; Lewiston administers within Lewiston) operates a HOMEbuyer Assistance Program providing direct down payment/closing-cost subsidy to low- and moderate-income first-time homebuyers in Auburn or Lewiston. Assistance is a 0%-interest HOME subsidy secured by a written agreement, subject to a HOME affordability period with shared-net-proceeds recapture. Minimum HOME subsidy is $1,000 per unit. Direct down payment / closing-cost subsidy to first-time low/moderate-income buyers. 0% interest HOME assistance. Shared-net-proceeds recapture. Affordability period scaled to subsidy size (5/10/15 years).

Auburn-Lewiston HOME Consortium 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：Sale/transfer/conveyance or senior-lender foreclosure before end of HOME affordability period (shared-net-proceeds recapture)。 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。

Auburn-Lewiston HOME Consortium 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由HUD-certified / hoMEworks homebuyer education.提供。 Loan term: Tied to HOME affordability period: <$15,000 = 5 yrs; $15,000-$40,000 = 10 yrs; >$40,000 = 15 yrs. First-time, low/moderate income, owner-occupant. Confirmed from City of Auburn 2025 CD Operations Manual: 0% HOME subsidy, $1,000 min, 95%-of-median price cap, shared-net-proceeds recapture, 5/10/15-yr tiers, $55k asset cap, 1040-AGI income method.

Auburn-Lewiston HOME Consortium 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。 Households at/below HUD income limits for the Lewiston-Auburn MSA; resale targets 70-80% AMI. HOME default income = 1040 adjusted gross income. UNCONFIRMED: exact by-household-size dollar limits for current AMI year. 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。

Auburn-Lewiston HOME Consortium HOMEbuyer Assistance Program的房价上限如下：Purchase price may not exceed 95% of area median purchase price for the housing type (HUD Section 203(b)). 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Auburn-Lewiston HOME Consortium HOMEbuyer Assistance Program服务于在Auburn，Maine购房的购房者。

Auburn-Lewiston HOME Consortium HOMEbuyer Assistance Program的申请通过City of Auburn Business & Community Development (lead, Auburn-Lewiston HOME Consortium) with City of Lewiston Economic & Community Development办理，该机构在其网站上公布现行条款和申请步骤。 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。