First Home Lima Down Payment Assistance Program

First Home Lima Down Payment Assistance Program是面向Lima，Ohio购房者的可免除贷款，由City of Lima Department of Housing & Neighborhoods (with New Lima – Housing For The Future and WOCAP)管理。 A HOME-funded down payment and closing-cost assistance program for first-time homebuyers purchasing a primary residence within the City of Lima. Administered by the City of Lima with New Lima – Housing For The Future and WOCAP, it provides up to $9,999 as a 0% deferred, forgivable second-mortgage loan forgiven 20%/year over 5 years. Buyers must be lender pre-approved, complete homeownership and property-maintenance education, save at least $1,000, and be approved before signing a purchase contract. Up to $9,999. 0% interest. Forgivable after 5 years of residency. Free homebuyer and property-maintenance education. 资金来自Federal HOME funds administered by the City of Lima。

First Home Lima Down Payment Assistance Program提供最高$9,999的援助。 该项目要求购房者自付$1,000 in designated savings required from the buyer; can be applied toward closing only with verification of use. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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City of Lima Department of Housing & Neighborhoods (with New Lima – Housing For The Future and WOCAP)决定。

First Home Lima Down Payment Assistance Program在5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：Sale, conveyance, or transfer triggers repayment of the outstanding balance; default (renting or no longer occupying as primary residence) triggers repayment of the original loan amount in full. 该援助以Subordinate (promissory note and mortgage)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 Lima 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：Owned in past 3 years may still qualify if displaced homemaker/single parent, in non-affixed manufactured housing, owner-occupant of a home not feasible to renovate, or transferring partial title. 须参加购房者教育课程，由WOCAP homeownership training and budget counseling; New Lima Property Maintenance Training and home maintenance plan.提供。 居住要求：Home must be within the City of Lima corporate limits. Must be lender pre-approved AND program-approved BEFORE a purchase agreement; $1,000 designated savings; WOCAP training and New Lima maintenance class/plan; City inspection with violations cured before closing; homeowner's insurance with annual proof for 5 years; 35% housing-ratio cap (max_dti left blank as front-end only). Verified via the June 1, 2026 application packet PDF. Amount is $9,999 per the official PDF (news/aggregator '$14,999' not supported).

First Home Lima 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 below 80% AMI for Lima; 2026 max gross by family size: 1 $49,250; 2 $56,250; 3 $63,300; 4 $70,300; 5 $76,000; 6 $81,600; 7 $87,250; 8 $92,850. Minimum gross income to qualify is $25,000. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Lima Down Payment Assistance Program将房价上限设为$209,000。 符合条件的房屋类型包括Single Family和2-4 Unit。 预制房屋不符合条件。

First Home Lima Down Payment Assistance Program服务于在Lima，Ohio购房的购房者。

First Home Lima Down Payment Assistance Program的申请通过City of Lima Department of Housing & Neighborhoods (with New Lima – Housing For The Future and WOCAP)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 New Lima – Housing For The Future; must be approved before entering a purchase agreement; ~2-3 weeks processing.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。