Wayne County First-Time Home Buyers Program

Wayne County First-Time Home Buyers Program是面向Wayne县，Michigan购房者的延期第二贷款，由Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers)管理。 Wayne County offers first-time homebuyers down payment and closing cost assistance when purchasing a home in any of the 37 participating non-Detroit communities. Assistance is an interest-free deferred loan from $5,000 up to $14,999, due upon sale of the property, with up to $7,500 forgiven after a five-year ownership period. Administered through National Faith Homebuyers, which also provides required homeownership counseling. Interest-free deferred down payment and closing cost assistance up to $14,999, with up to $7,500 forgivable after 5 years. 资金来自Federal HOME funds via Wayne County / HUD。

Wayne County First-Time Home Buyers Program提供$5,000至$14,999的援助。 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Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers)决定。

Wayne County First-Time Home Buyers 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：Interest-free deferred loan due upon sale of the property; up to $7,500 of the loan is forgiven after the initial five-year ownership period, with the balance due on sale/transfer. 该援助以second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。

Wayne County First-Time Home Buyers 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 defined as a purchaser who has not owned a home within the last three years. 须参加购房者教育课程，由National Faith Homebuyers (homeownership counseling/education series covering credit, buying a home, qualifying for a mortgage, home maintenance)提供。 First-time buyer (no homeownership in last 3 years); cannot own/have interest in other real estate; liquid assets may not exceed $10,000; housing ratio <=30% and DTI <=43%; must complete National Faith homebuyer education; property must pass HQS inspection or obtain Certificate of Occupancy where required; must occupy as primary residence 5 years for forgiveness.

Wayne County First-Time Home Buyers 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。 Total household income must be at or below 80% of Area Median Income per HUD limits for household size (Detroit-Warren-Dearborn MSA). All household income counted. 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。

Wayne County First-Time Home Buyers Program可用于Single Family。 新建房屋不符合条件。

Wayne County First-Time Home Buyers Program服务于在Wayne县，Michigan购房的购房者。 该项目针对特定区域：Available only in 37 participating Wayne County communities (non-Detroit). Includes Allen Park, Belleville, Brownstown, Ecorse, Flat Rock, Garden City, Gibraltar, Grosse Ile Twp., the Grosse Pointes, Hamtramck, Harper Woods, Highland Park, Huron Twp., Inkster, Melvindale, Plymouth & Plymouth Twp., River Rouge, Riverview, Rockwood, Romulus, Southgate, Sumpter Twp., Northville Twp., Trenton, Van Buren Twp., Wayne, Woodhaven, Wyandotte. Detroit, Dearborn and Livonia are excluded.

Wayne County First-Time Home Buyers Program的申请通过Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers)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Application processed by National Faith Homebuyers, then submitted to Wayne County for final approval and check issuance (3-4 week county waiting period).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。