First Time Home Buyer Loan Program

First Time Home Buyer Loan Program是面向Billings，Montana购房者的延期第二贷款。 City of Billings 0% deferred-payment second mortgage up to $15,000 for FTHB at <=80% AMI purchasing within Billings city limits. HUD HOME-funded. The City of Billings First Time Home Buyer Loan Program offers zero-interest, deferred-payment loans of up to $15,000 to assist low-income households purchase their first home within Billings city limits. Funds may be applied to down payment and closing costs. The loan is at 0% interest with no monthly payments. the full balance is due on sale, refinance, transfer, or when the home is no longer the borrower's primary residence (not put up for rent). Funded through HUD HOME / CDBG programs administered by the Billings Community Development Division. As of April 9, 2026, funding remains available on a first-come, first-served basis. Preference is given to applicants with families of five or more individuals and households that include a person with a disability. 资金来自Federal和HOME。

First Time Home Buyer Loan 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：Full balance due on sale, refinance, transfer of title, or when home is no longer borrower's primary residence (e.g., put up for rent). 该援助以2nd Lien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 Home Buyer Loan 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 exceptions to the 3-year FTHB requirement. 关于信用，该项目说明：No published minimum FICO; per first-mortgage lender requirements. 须参加购房者教育课程，由HUD-approved homebuyer education required (NeighborWorks Montana, HRDC, NeighborWorks Great Falls, or other HUD-approved counseling agency).提供。 居住要求：Property must be located within City of Billings limits, Yellowstone County, Montana, and serve as borrower's primary residence. 公民身份或移民身份：Per HUD eligibility: U.S. citizen or eligible non-citizen. Property must be located within City of Billings limits and be a residentially zoned single-family home. Borrower must be a first-time homebuyer (no ownership of principal residence in past 3 years). Owner-occupied principal residence; cannot be rented out. Annual household income at or below 80% Area Median Income for Yellowstone County / Billings MSA per HUD ($35,580 1p up to $89,400 8p). Maximum purchase price $262,000 (95% of HUD area median sales price; historically published as low as $209,000 - subject to annual update). Preference given to households of 5+ persons and households including a person with a disability.

First Time Home Buyer Loan 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。 80% AMI for Yellowstone County (Billings MSA) per HUD income limits. Per seed: $35,580 (1p) up to $89,400 (8p). 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。

First Time Home Buyer Loan Program将房价上限设为$262,000。 符合条件的房屋类型包括Single-family detached residentially zoned homes within City of Billings city limits. 新建房屋符合条件。 预制房屋不符合条件。

First Time Home Buyer Loan Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶和残障购房者。 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。

First Time Home Buyer Loan Program服务于在Billings，Montana购房的购房者。

First Time Home Buyer Loan 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Direct application to City of Billings Community Development; first-come, first-served while funds last.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。