City of Trenton First Time Homebuyer Program

City of Trenton First Time Homebuyer Program是面向Trenton，New Jersey购房者的可免除贷款。 Trenton HOME-funded $20,000 forgivable second for first-time homebuyers. 80% AMI cap. 10-year affordability period. Distinct from Mercer County Consortium program. Up to $20,000 in HOME-funded down payment and closing cost assistance for first-time homebuyers purchasing in the City of Trenton. 0% interest deferred-payment forgivable second mortgage. 10-year HOME affordability period (since amount > $15K). 80% AMI cap (Trenton-Princeton HMFA / NY-Newark HMFA). Trenton has its own HOME entitlement separate from Mercer County Consortium. Pairs with FHA/VA/USDA/conventional first mortgages. 资金来自Federal HOME。

City of Trenton 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：10-year HOME affordability period和lien forgiven at end of term. Prorated balance due on early sale, transfer, cash-out refi, or non-owner-occupancy. 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。

City of Trenton 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 24 CFR 92.2 displaced-homemaker / single-parent exceptions. 关于信用，该项目说明：First-mortgage lender overlays apply. 须参加购房者教育课程，由HUD-approved housing counseling agencies (HomeFront, Princeton-Mercer NeighborWorks, NJ Citizen Action).提供。 居住要求：Property must be in City of Trenton. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HOME rules. First-time homebuyer. 80% AMI cap. Property in City of Trenton ONLY. Owner-occupied primary residence. $1,000 minimum buyer contribution. HUD-certified homebuyer counseling. HQS inspection. Lead-based paint clearance for pre-1978.

City of Trenton 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% AMI Trenton-Princeton HMFA. Approximate 2025: $68,500 (1-person) to $129,100 (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。

City of Trenton First Time Homebuyer Program的房价上限如下：Per HOME 95% AMPP for Trenton HMFA (verify current limit with Trenton DOH). 符合条件的房屋类型包括Single-family detached、Townhome、Rowhouse、Condominium和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

City of Trenton First Time Homebuyer Program服务于在Trenton，New Jersey购房的购房者。

City of Trenton 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 to Trenton Department of Housing & Economic Development. First-come, first-served subject to HOME funding cycle.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。