First Time Homebuyer program

First Time Homebuyer program是面向Plymouth，Minnesota购房者的延期第二贷款。 The City of Plymouth First Time Homebuyer Program provides a 0% interest deferred second mortgage of up to $35,000 to income-qualified first-time buyers purchasing within Plymouth city limits. Funded through the City of Plymouth HRA's affordable housing trust and CDBG funds. The loan can be allocated across down payment (max $5,000), closing costs (max $7,500), and mortgage principal reduction (max $30,000). Repayment is deferred until sale, transfer, refinance with cash-out, or loss of owner-occupancy. Zero-interest deferred loan up to $35,000 broken into three components: (1) up to 50% of required down payment (max $5,000). (2) up to 100% of eligible closing costs (max $7,500). and (3) up to 15% of purchase price toward mortgage principal reduction (max $30,000). Loan is fully deferred and repayable at sale, transfer, refinance with cash-out, or loss of owner-occupancy. 资金来自CDBG、HRA和Local Government。

First Time Homebuyer program按项目规定，提供相当于房价15%的援助。 购房者自付部分：Buyer typically contributes 50% of required down payment from own funds。 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管理该项目的机构决定。

First Time Homebuyer 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：Due in full at sale, transfer of title, refinance with cash-out, or loss of owner-occupancy. 该援助以2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。

First Time Homebuyer 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 buyer required (no ownership in past 3 years); standard HUD exceptions apply. 关于信用，该项目说明：Per first-mortgage lender。 须参加购房者教育课程，由Minnesota Homeownership Center / Framework / HUD-approved counseling agency.提供。 居住要求：Property must be located in City of Plymouth and used as borrower's principal residence. 公民身份或移民身份：U.S. citizen or qualified non-citizen per first-mortgage and federal rules。 First-time buyer (no homeownership in past 3 years). Property must be located within Plymouth city limits and used as principal residence. Income at or below 80% HUD AMI for the Minneapolis-St. Paul-Bloomington MSA: 1-person ~$72,950 to 8-person ~$137,550 (FY2025 limits). Buyer must complete Minnesota Homeownership Center or equivalent homebuyer education.

First Time Homebuyer 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。 Household income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $72,950 to 8-person $137,550 (FY2025 limits, current as of April 2026). 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。

First Time Homebuyer program的房价上限如下：No fixed program cap; subject to Minnesota Housing acquisition limits when paired and first-mortgage underwriting. 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyer program服务于在Plymouth，Minnesota购房的购房者。

First Time Homebuyer program的申请通过管理该项目的机构办理，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 via Plymouth Housing Division once buyer has signed purchase agreement.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。