FHLB Cincinnati Welcome Home Program

FHLB Cincinnati Welcome Home Program是面向Statewide，Ohio购房者的补助金，由Federal Home Loan Bank of Cincinnati (Housing & Community Investment)管理。 A down payment and closing-cost grant of up to $20,000 from the Federal Home Loan Bank of Cincinnati, delivered through its member financial institutions across Ohio, Kentucky, and Tennessee. Income-eligible buyers (<=80% MRB limits) reserve funds first-come, first-served; at least one-third is set aside for first-time buyers. 5-year retention with pro-rata recapture if sold/refinanced before year five. Grant up to $20,000 for down payment & closing costs. No repayment if held 5 years. Open to repeat buyers. Stackable with most other DPA. 资金来自FHLB Cincinnati Affordable Housing Program (AHP) set-aside。

FHLB Cincinnati Welcome Home Program提供最高$20,000的援助。 购房者自付部分：At least $500 of the buyer's own funds toward down payment/closing (up to $300 may be gift). 该项目可与Most local/state/federal DPA; not with FHLB competitive AHP or other FHLB voluntary housing programs结合使用。 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Federal Home Loan Bank of Cincinnati (Housing & Community Investment)决定。

FHLB Cincinnati Welcome Home Program属于补助金，因此无需偿还。 触发还款的情形：Sale during 5-yr retention、Refinance during 5-yr retention和Title transfer during 5-yr retention (pro-rata recapture)。 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。

FHLB Cincinnati Welcome Home Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Homeownership counseling from an organization experienced in homebuyer education (need not be HUD-approved); required for first-time buyers; within 12 months before closing.提供。 Delivered only via FHLB member lenders. SEASONAL: the 2026 round opened Apr 6, 2026 and is currently CLOSED to new reservations; reopens annually (~spring 2027). Reserved-funds payment deadline Dec 15, 2026.

FHLB Cincinnati Welcome Home 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。 Total household income at or below 80% of the state HFA Mortgage Revenue Bond (MRB) income limits for the property county; county MRB limits published annually by FHLB Cincinnati for OH/KY/TN. 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。

FHLB Cincinnati Welcome Home Program可用于Single Family、Townhouse、Condo、2-4 Unit、Manufactured和Modular。 新建房屋符合条件。 预制房屋符合条件。

FHLB Cincinnati Welcome Home Program服务于在Statewide，Ohio购房的购房者。

FHLB Cincinnati Welcome Home Program的申请通过Federal Home Loan Bank of Cincinnati (Housing & Community Investment)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。