Affordable Homeownership Program

Affordable Homeownership Program是面向Wake县，North Carolina购房者的可免除贷款。 Wake County's Affordable Homeownership Program provides up to $20,000 in forgivable second-lien down payment and closing-cost assistance to first-time homebuyers purchasing in Wake County (outside Raleigh's program area). HUD HOME and County-funded; forgiven over 10 years. Up to $20,000 0% interest deferred forgivable second-lien loan for down payment and closing costs. Forgiven over 10 years. Recipient contributes at least $1,000 of own funds. 资金来自HUD HOME Investment Partnerships; Wake County General Fund。

Affordable Homeownership Program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：Sale, transfer, refinance with cash-out, or non-owner-occupancy within 10-year affordability period triggers repayment of unforgiven balance. 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。

Affordable Homeownership 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 homebuyer (3-year look-back); HUD displaced-homemaker/single-parent exemptions. 关于信用，该项目说明：Minimum middle FICO 640. 须参加购房者教育课程，由HUD-approved counseling agency; 8-hour pre-purchase homebuyer education course required.提供。 居住要求：Property in Wake County, NC (excludes properties in City of Raleigh which has separate DPA). 公民身份或移民身份：U.S. citizen or qualified alien required. Property in unincorporated Wake County or municipalities outside Raleigh (Raleigh administers separate program). First-time homebuyer required (3-year look-back). 640 minimum FICO. Maximum DTI 45%. $1,000 buyer contribution minimum.

Affordable Homeownership 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 Raleigh-Cary MSA (FY2025): 1p $63,500; 2p $72,600; 3p $81,650; 4p $90,650; 5p $97,950; 6p $105,200; 7p $112,450; 8p $119,700. Note: Some published tier shows 1p $63,500 / 4p $90,650. 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。

Affordable Homeownership Program的房价上限如下：Sales price capped at HUD HOME Homeownership Value Limits for Wake County. 符合条件的房屋类型包括Single-family detached, townhouse, condominium. 新建房屋符合条件。 预制房屋不符合条件。

Affordable Homeownership Program在其服务群体中提到了现役军人、预备役人员和国民警卫队成员、遗属配偶、执法人员、消防员、医护人员和残障购房者。 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。

Affordable Homeownership Program服务于在Wake县，North Carolina购房的购房者。

Affordable Homeownership 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.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。