First-Time Homebuyer Program

First-Time Homebuyer Program是面向Eden Prairie，Minnesota购房者的延期第二贷款。 The City of Eden Prairie First-Time Homebuyer Program offers a 0% interest deferred second mortgage of up to $25,000 (with a $35,000 cap across all city homebuyer assistance) to income-qualified first-time buyers purchasing within Eden Prairie city limits. Funded through the City's Housing and Community Services division using CDBG and pooled HRA/affordable housing trust funds, the program covers up to 50% of required down payment, up to 100% of closing costs (max $5,000), and up to 10% of purchase price toward mortgage principal reduction (max $10,000). The loan is fully deferred and repayable on sale, transfer, refinance with cash-out, or loss of owner-occupancy. Zero-interest deferred second mortgage of up to $25,000 (combined limit $35,000 with all forms of HCS assistance), structured to cover up to 50% of the required down payment, up to 100% of eligible closing costs (max $5,000), and up to 10% of purchase price (max $10,000) for mortgage principal reduction. Loan is fully deferred and repayable at sale, transfer, refinance with cash-out, or loss of owner-occupancy. 资金来自CDBG、Local Government和HRA。

First-Time Homebuyer Program提供最高$35,000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 when property is no longer the borrower's principal residence. 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 (displaced homemaker, single parent). 关于信用，该项目说明：Per first-mortgage lender underwriting; typically 620-660。 须参加购房者教育课程，由HUD-approved or Minnesota Homeownership Center network agency (Home Stretch / Framework) required prior to closing.提供。 居住要求：Property must be located within City of Eden Prairie limits 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 HUD rules。 First-time buyer (no homeownership in past 3 years). Property must be located within Eden Prairie city limits and used as principal residence. Buyer must complete Minnesota Homeownership Center / Framework or equivalent homebuyer education. Income at or below 80% HUD AMI for Minneapolis-St. Paul-Bloomington MSA: 1-person ~$68,500 to 8-person ~$129,100 (FY2025). Combined HCS assistance cap of $35,000 across all program components.

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 the Minneapolis-St. Paul-Bloomington MN-WI HMFA: 1-person $68,500 to 8-person $129,100 (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 first-mortgage product limits and Minnesota Housing maximum acquisition price when paired. 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Eden Prairie，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 Eden Prairie HCS staff 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。