Burlington County First Time Homebuyer Program

Burlington County First Time Homebuyer Program是面向Burlington县，New Jersey购房者的可免除贷款。 HOME-funded forgivable second mortgage of up to $20,000 for first-time homebuyers in Burlington County, NJ. 80% AMI cap. 10-year forgiveness when amount exceeds $15,000. Pairs with any FHA/VA/USDA/conventional first mortgage. Up to $20,000 (sometimes $25,000 in special targeting cycles) in down payment and closing cost assistance for first-time homebuyers purchasing in Burlington County, NJ. Funded through HUD HOME Investment Partnerships Program. Structured as a 0% interest, deferred-payment, forgivable second mortgage. Forgiveness term tied to HOME affordability period: 5 years for amounts under $15,000. 10 years for amounts $15,000-$40,000. After the affordability period, the lien is fully forgiven. 80% AMI household income limit per HUD Camden HMFA. Pairs with FHA, VA, USDA, and conventional first mortgages. HUD-certified homebuyer education required. 资金来自Federal HOME。

Burlington County First Time Homebuyer 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：Deferred forgivable. Forgiven at end of HOME affordability period (5-yr if under $15K, 10-yr if $15-40K). If property sold, transferred, refinanced (cash-out), or no longer owner-occupied during the affordability period, prorated balance becomes due. 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。

Burlington County 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：HUD displaced-homemaker / single-parent / 3-year-rule exceptions per 24 CFR 92.2. 关于信用，该项目说明：No published Burlington County minimum; first-mortgage lender overlays apply (typically 620+). 须参加购房者教育课程，由HUD-approved housing counseling agencies (e.g., Tri-County Community Action Partnership, NeighborWorks affiliates serving South Jersey).提供。 居住要求：Property must be located in Burlington County, NJ and serve as primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HOME rules. First-time homebuyer (no primary residence ownership in past 3 years; HUD displaced-homemaker / single-parent exceptions). 80% AMI household income cap (Camden HMFA). Property must be in Burlington County. Owner-occupied primary residence. Buyer must contribute at least $1,000 of own funds. Pre-purchase HUD-approved homebuyer counseling certificate required. HUD Housing Quality Standards (HQS) inspection required. Lead-based paint clearance for pre-1978 properties.

Burlington County 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% Area Median Income (AMI) for Camden-Cherry Hill HMFA per HUD. Approximate 2025 80% AMI: $52,950 (1-person) to $99,800 (8-person). 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。

Burlington County First Time Homebuyer Program的房价上限如下：Property purchase price may not exceed 95% of area median purchase price per HOME program (24 CFR 92.254). Verify current limit with Burlington County CD. 符合条件的房屋类型包括Single-family detached、Townhome、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Burlington County First Time Homebuyer Program服务于在Burlington县，New Jersey购房的购房者。

Burlington County 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Application directly to Burlington County Office of Community Development. First-come, first-served subject to HOME funding cycle availability.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。