AEOA First Time Homebuyer Assistance Program

AEOA First Time Homebuyer Assistance Program是面向St. Louis; Lake; Cook县，Minnesota购房者的可免除贷款，由Arrowhead Economic Opportunity Agency (AEOA)管理。 AEOA's First Time Homebuyer Assistance Program provides down payment and closing-cost assistance to income-qualified first-time buyers purchasing in St. Louis (excluding Duluth), Lake, and Cook counties. A 0%-interest deferred loan of up to $8,000 (minimum $1,000), no monthly payments, forgiven after 10 years of owner-occupancy. Buyers complete a Home Stretch workshop (or Framework) plus one-on-one counseling before signing a purchase agreement and contribute at least $1,000. Up to $8,000. 0% interest, no monthly payments. Forgiven after 10 years. Free one-on-one counseling. 资金来自Northeast Minnesota HOME Consortium (St. Louis County) / HUD HOME。

AEOA First Time Homebuyer Assistance Program提供$1,000至$8,000的援助。 购房者自付部分：Minimum $1,000 from own resources (may include education cost, earnest money, inspection, appraisal)。 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Arrowhead Economic Opportunity Agency (AEOA)决定。

AEOA First Time Homebuyer Assistance Program在10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：Sale, transfer, or loss of owner-occupancy before the 10-year forgiveness term; payoff does not decline during term。 该援助以Subordinate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。

AEOA First Time 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。 此处的“首次”有例外情况：No ownership in last 3 years qualifies。 须参加购房者教育课程，由Home Stretch Workshop (AEOA) or Framework, plus one-on-one counseling before purchase agreement提供。 居住要求：Property in St. Louis (excluding City of Duluth), Lake, or Cook County。 First-time buyer (or no ownership in last 3 years); complete education and one-on-one counseling before purchase agreement; minimum $1,000 buyer contribution; home must pass approved inspection.

AEOA First Time 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。 At/below 80% HUD AMI, varies by county. St. Louis/Lake/Cook: 1p $40,550; 2p $46,350; 3p $52,150; 4p $57,900; 5p $62,550; 6p $67,200; 7p $71,800; 8p $76,450. 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。

AEOA First Time Homebuyer Assistance Program的房价上限如下：Maximum varies by county; home must be owner-occupied。 符合条件的房屋类型包括Single Family。

AEOA First Time Homebuyer Assistance Program服务于在St. Louis; Lake; Cook县，Minnesota购房的购房者。

AEOA First Time Homebuyer Assistance Program的申请通过Arrowhead Economic Opportunity Agency (AEOA)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; qualification in one-on-one counseling session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。