First Home First Loan (FHFL) Down Payment Assistance Program

First Home First Loan (FHFL) Down Payment Assistance Program是面向Summit县，Ohio购房者的延期第二贷款，由County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County)管理。 The County of Summit's First Home First Loan (FHFL) program assists eligible low-to-moderate-income first-time homebuyers residing within Summit County by providing a 3:1 match (up to $12,000) of the buyer's own contribution toward down payment and/or closing costs. Assistance is a 0% interest deferred second-mortgage loan due upon sale, transfer, or when the home stops being the primary residence. Residents buying in Akron, Barberton, or Cuyahoga Falls are ineligible because those cities run their own programs. Up to $12,000 in assistance. 0% interest. Deferred loan (no monthly payments). Covers down payment and/or closing costs. 3:1 match of buyer funds. 资金来自HOME Investment Partnerships Program (HUD)。

First Home First Loan (FHFL) Down Payment Assistance Program提供$1,500至$12,000的援助。 该项目要求购房者自付$500。 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County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County)决定。

First Home First Loan (FHFL) Down Payment Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due upon sale or transfer of the home, or when the home is no longer used as the applicant's primary residence。 该援助以second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 Home First Loan (FHFL) Down Payment Assistance 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：Has not owned a home in the last 3 years; single parent/displaced homemaker who only owned with a former spouse; or someone who only owned a principal residence not on a permanent foundation。 关于信用，该项目说明：No stated minimum score; applicant must provide an initial credit report for applicant and co-applicant and meet lender underwriting。 须参加购房者教育课程，由HUD-approved certified housing counseling course提供。 居住要求：Applicant must reside within the County of Summit corporate limits; home purchased must be in Summit County but NOT in Akron, Barberton, or Cuyahoga Falls (those cities run their own programs)。 Applicant must be a Summit County resident; 3:1 match means buyer contributes minimum $500 (to receive $1,500) up to $4,000 (to receive $12,000). Front-end DTI capped at 31% (PITI) and back-end at 43%. Annual owner-occupancy Occupancy Certificate signed each year. Closing handled by Community Building Partnership of Summit County. income_limit_amount (4-person 80% AMI dollar figure) not stated on page; HUD MSA assumed Akron based on county.

First Home First Loan (FHFL) Down Payment Assistance 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 must be at or equal to 80% of Area Median Income as published annually by HUD; based on gross income of all household residents over age 18 and household size. 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 Home First Loan (FHFL) Down Payment Assistance Program将房价上限设为$163,000。 符合条件的房屋类型包括Condo、Single Family和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

First Home First Loan (FHFL) Down Payment Assistance Program服务于在Summit县，Ohio购房的购房者。

First Home First Loan (FHFL) Down Payment Assistance Program的申请通过County of Summit Department of Community & Economic Development (with Community Building Partnership of Summit County)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First-come, first-served as funding is available; applications currently open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。