American Dream First Time Homebuyer Program (Bergen County)

American Dream First Time Homebuyer Program (Bergen County)是面向Bergen县，New Jersey购房者的延期第二贷款，由Bergen County Division of Community Development管理。 Administered by the Bergen County Division of Community Development, this program provides interest-free, deferred-payback second mortgage financing plus matching down payment assistance to eligible first-time homebuyers (or those who have not owned a home in the past three years) buying a one-family house or condominium in Bergen County, NJ. It combines a 0% deferred second mortgage of up to $65,000 in HOME funds (repaid on sale, transfer of title, or loss of primary residence) with up to $10,000 of CDBG matching assistance forgiven 1/10th per year over 10 years. 0% interest deferred second mortgage up to $65,000 (HOME funds). Up to $10,000 CDBG match forgiven 1/10th per year over 10 years (grant after 10 years). Partnership with participating banks for the first mortgage. Homebuyer education/counseling. 资金来自HUD HOME Investment Partnerships Program (second mortgage) and CDBG (down payment match)。

American Dream First Time Homebuyer Program (Bergen County)提供最高$75,000的援助。 援助档次：Second mortgage (HOME): 0% deferred up to $65,000, repaid on sale/transfer/loss of primary residence. Down payment match (CDBG): up to $10,000 forgivable 1/10th per year over 10 years, grant after 10 years. 购房者自付部分：Applicant provides part of the down payment (program matches up to $10,000) and must cover all closing costs. 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Bergen County Division of Community Development决定。

American Dream First Time Homebuyer Program (Bergen County)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 of home, transfer of title, or when the home is no longer the primary residence (applies to the $65,000 HOME second mortgage; the $10,000 CDBG match is forgiven over 10 years). 该援助以Second and third lien (HOME second + CDBG match behind bank first mortgage)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。

American Dream First Time Homebuyer Program (Bergen County)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：Eligible if not owned a home in the past three years. 关于信用，该项目说明：Credit-worthy track record required; bankruptcy must be discharged 5 years with re-established credit. 须参加购房者教育课程，由Fair Housing Council of Northern New Jersey; Greater Bergen Community Action. Eight-hour Homebuyer Certification class given through the program.提供。 居住要求：Must reside or work full-time in Bergen County. Two components: (1) 0% deferred second mortgage up to $65,000 (HOME), repaid in full on sale, transfer of title, or loss of primary residence (no fixed term); (2) up to $10,000 CDBG match (third mortgage) forgiven 1/10th per year over 10 years, a grant after 10 years. Must reside or work full-time in Bergen County. Bankruptcy must be discharged 5 years with re-established credit. All reasonable assets applied to down payment (may retain 3 months of mortgage payment reserves). Applicant pays all closing costs and must have own down payment funds. Eight-hour Homebuyer Certification class required. 2024 brochure shows $55,000 second mortgage; current webpage/PowerPoint show $65,000 (used the current figure).

American Dream First Time Homebuyer Program (Bergen County)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% of the County median per HUD HOME income guidelines; income from all household members over 18 counted. 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。

American Dream First Time Homebuyer Program (Bergen County)将房价上限设为$523,000。 符合条件的房屋类型包括Single Family和Condo。

American Dream First Time Homebuyer Program (Bergen County)服务于在Bergen县，New Jersey购房的购房者。

American Dream First Time Homebuyer Program (Bergen County)的申请通过Bergen County Division of Community Development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。