City of Woodbury First-Time Homeownership Assistance Program

City of Woodbury First-Time Homeownership Assistance Program是面向Woodbury，Minnesota购房者的延期第二贷款，由Washington County CDA on behalf of City of Woodbury HRA管理。 The City of Woodbury First-Time Homeownership Assistance Program offers deferred loans of up to 3.5% of the purchase price to income-qualified first-time buyers purchasing in Woodbury, MN. Loans carry a fixed 3% rate with interest-only monthly payments; veterans and buyers age 65+ get 2.75%; first-generation buyers get 0% with no required monthly payments. Principal is deferred (max 30-year term) until sale, transfer, first-mortgage payoff, or loss of owner-occupancy. Administered by the Washington County CDA on behalf of the Woodbury HRA. Up to 3.5% of purchase price (deferred). 3% fixed (interest-only); 2.75% veterans/seniors; 0% first-generation. 30-year deferred principal. Stackable with CDA First-Gen Grant. Online application. $25 processing fee. 资金来自City of Woodbury Housing and Redevelopment Authority (HRA) fund balance。

City of Woodbury First-Time Homeownership Assistance Program按项目规定，提供相当于房价3.5%的援助。 援助档次：Standard: 3% fixed, interest-only monthly payments, 30-year deferred term、Veterans or age 65+: 2.75% fixed和First-generation homebuyers: 0% interest, no monthly payments. Up to 3.5% of purchase price. 购房者自付部分：Minimum $1,000 paid by/for the buyer from seasoned funds (90-day history). Gifts allowed with gift letter. Personal loans/credit cards NOT acceptable. 该项目可与Washington County CDA First-Generation Grant ($5,000); First-Generation Community DPA Fund; Minnesota Housing Start Up DPA.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Washington County CDA on behalf of City of Woodbury HRA决定。

City of Woodbury First-Time Homeownership 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 of title, payoff of primary mortgage, or property no longer owner-occupied; maximum 30-year term. 该援助以Second (subordinate to first mortgage; HRA mortgage)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。

City of Woodbury First-Time Homeownership 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：Standard 3-year lookback. Exception for certain foreclosed properties where the buyer is the first owner-occupant after foreclosure. 须参加购房者教育课程，由8 hours pre-purchase education from a HUD-approved agency (National Industry Standards); certificate dated within 12 months of closing. Providers include Washington County CDA HomeStretch and NeighborWorks Home Partners.提供。 居住要求：Property must be in City of Woodbury, MN; no prior Woodbury residency required. Apply at least 35 days before closing; full manual underwriting; buyer must be pre-approved by a first mortgage lender. $1,000 minimum contribution (seasoned funds). Flood-plain properties ineligible. Income limit $158,000 flat (not AMI). 2022 guidelines PDF lists superseded terms ($30,000 max / 3.5% min contribution); the current web page governs.

City of Woodbury First-Time Homeownership Assistance Program将家庭收入限制在$158,000。 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。

City of Woodbury First-Time Homeownership Assistance Program将房价上限设为$451,500。 符合条件的房屋类型包括Single Family、Townhome、Twin Home和Condo。 预制房屋不符合条件。

City of Woodbury First-Time Homeownership Assistance Program在其服务群体中提到了退伍军人和第一代购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

City of Woodbury First-Time Homeownership Assistance Program服务于在Woodbury，Minnesota购房的购房者。 该项目针对特定区域：City of Woodbury, MN (Washington County)。

City of Woodbury First-Time Homeownership Assistance Program的申请通过Washington County CDA on behalf of City of Woodbury HRA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Rolling; application required at least 35 days 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。