Home at Last

Home at Last是面向Toledo，Ohio购房者的补助金。 Toledo Home at Last: $10,000 grant for first-time homebuyers within City of Toledo limits. <=80% AMI. $10,000 GRANT (no repayment required) for down payment and closing costs for first-time homebuyers purchasing within City of Toledo limits. Funds may be used for down payment, closing costs, and pre-paid items. Federal HUD CDBG/HOME-funded grant administered by City of Toledo Department of Housing and Community Development. 资金来自Federal、HUD、HOME和CDBG。

Home at Last属于补助金，因此无需偿还。 触发还款的情形：No repayment if owner-occupied for 5-year term和deed restriction enforces affordability。 该援助以Grant (no lien beyond deed restriction)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。

Home at Last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：Standard HUD HOME FTHB waivers。 关于信用，该项目说明：620 minimum FICO recommended。 须参加购房者教育课程，由HUD-approved housing counseling agencies in Toledo including NeighborWorks Toledo Region (formerly NHS Toledo) and United Way of Greater Toledo提供。 居住要求：Property within City of Toledo limits, owner-occupied。 公民身份或移民身份：U.S. citizen or qualifying permanent resident。 First-time homebuyer (no ownership past 3 years). Property within City of Toledo limits as primary residence. <=80% AMI Toledo MSA (Lucas County): $53,100-$100,150 by household size. HUD-approved homebuyer education required. Minimum borrower contribution. 5-year owner-occupancy commitment (grant not recaptured but enforced via deed restriction).

Home at Last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% Toledo MSA AMI: $53,100-$100,150 by household size. 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。

Home at Last的房价上限如下：Per HUD HOME 95% area median sales price for Lucas County。 符合条件的房屋类型包括Single-family detached, condo, townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Home at Last在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Home at Last服务于在Toledo，Ohio购房的购房者。 该项目针对特定区域：Toledo CDBG-eligible neighborhoods。

Home at Last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Apply directly to City of Toledo Department of Housing and Community Development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。