First Time Home Buyers (FTHB)

First Time Home Buyers (FTHB)是面向Perth Amboy，New Jersey购房者的可免除贷款。 Perth Amboy HOME-funded $20,000 forgivable second for first-time homebuyers. Tiered AMI (50/80/120%). 10-year affordability period. Up to $20,000 in HOME-funded down payment and closing cost assistance for first-time homebuyers purchasing in the City of Perth Amboy. 0% interest deferred-payment forgivable second mortgage. 10-year HOME affordability period (since amount > $15K). Tiered AMI eligibility (50% / 80% / 120% AMI bands. income range $32,200-$137,550 reflects this wide band). Middlesex/Edison HMFA. Pairs with FHA/VA/USDA/conventional. 资金来自Federal HOME和Local Government。

First Time Home Buyers (FTHB)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。

First Time Home Buyers (FTHB)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 (Puerto Rican Action Board, NJ Citizen Action).提供。 居住要求：Property must be in City of Perth Amboy. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HOME rules. First-time homebuyer. Tiered AMI eligibility. Property in City of Perth Amboy. Owner-occupied primary residence. $1,000 minimum buyer contribution. HUD-certified homebuyer counseling. HQS inspection. Lead-based paint clearance for pre-1978.

First Time Home Buyers (FTHB)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Tiered AMI eligibility (50%, 80%, 120% AMI bands) for Middlesex/Edison HMFA. Approximate range $32,200 (1-person, 50% AMI) to $137,550 (8-person, 120% AMI). 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 Buyers (FTHB)的房价上限如下：Per HOME 95% AMPP for Middlesex HMFA (verify current limit with Perth Amboy 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。

First Time Home Buyers (FTHB)服务于在Perth Amboy，New Jersey购房的购房者。

First Time Home Buyers (FTHB)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 City of Perth Amboy Office of Community 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。