Richfield First Time Homebuyer Loan

Richfield First Time Homebuyer Loan是面向Richfield，Minnesota购房者的可免除贷款，由City of Richfield (Housing & Redevelopment Authority)管理。 The City of Richfield offers first-time homebuyers up to $20,000 (base $15,000 plus up to $5,000 for eligible households) in down payment and closing-cost assistance as a 0% interest, no-payment loan forgiven after 10 years of owner occupancy, for purchase of a home in Richfield. Up to $20,000. 0% interest, no payments. Forgiven after 10 years. Extra $5,000 for renters/disability/dependents. Pro-rated payback if sold early. 资金来自City of Richfield。

Richfield First Time Homebuyer Loan提供$15,000至$20,000的援助。 援助档次：Base $15,000 for all qualified applicants; +$5,000 for current Richfield renters, households with a documented disability, or households with dependents under 18. 购房者自付部分：Buyers contribute at least $1,000 of their 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City of Richfield (Housing & Redevelopment Authority)决定。

Richfield First Time Homebuyer Loan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：0% no-payment loan; pro-rated repayment if sold within first 10 years; forgiven after 10 years of owner occupancy. 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。

Richfield First Time Homebuyer Loan面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Home Stretch First Time Homebuyer Workshop before closing (free for Richfield renters).提供。 Bonus tier for disability/renter/dependent households confirmed; other special-population flags not specified by source. Post-closing non-retirement assets capped at $25,000. Mortgage pre-qualification required. Loan amount may be adjusted to demonstrated gap/need and funding availability.

Richfield First Time Homebuyer Loan将家庭收入限制在$105,200。 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。

Richfield First Time Homebuyer Loan在其服务群体中提到了残障购房者。 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。

Richfield First Time Homebuyer Loan服务于在Richfield，Minnesota购房的购房者。

Richfield First Time Homebuyer Loan的申请通过City of Richfield (Housing & Redevelopment Authority)办理，该机构在其网站上公布现行条款和申请步骤。 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。