Lakewood HOME Program (First-Time Homebuyer's Program)

Lakewood HOME Program (First-Time Homebuyer's Program)是面向Lakewood，Ohio购房者的延期第二贷款，由City of Lakewood, Division of Community Development管理。 A federally funded (HUD HOME) first-time homebuyer program run by the City of Lakewood's Division of Community Development (HOME funds via the Cuyahoga County Housing Consortium). Provides a 0% interest, no-monthly-payment second mortgage for down payment and closing costs: up to $10,000 for a condo/single-family home and up to $14,000 for a two-family home. The single/condo loan is due on sale, transfer, or when it ceases to be owner-occupied; the two-family loan forgives on a percentage basis after year 5. Up to $10,000 (condo/SFH) or $14,000 (two-family). 0% interest, no monthly payment 2nd. Two-family forgivable after 5 yrs. Low 1.5% buyer contribution. Pairs with FHA/conventional 30-yr fixed. 资金来自Federal、HOME和Local Government。

Lakewood HOME Program (First-Time Homebuyer's Program)提供最高$14,000的援助。 援助档次：Condo/single-family: up to $10,000 deferred (due on sale/transfer/non-occupancy; no forgiveness). Two-family: up to $14,000, forgivable on a percentage basis after the 5th year of ownership. 购房者自付部分：Minimum 1.5% of purchase price from buyer's own funds. 该项目可与30-year fixed-rate first mortgage (FHA/market-rate) from a participating lender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City of Lakewood, Division of Community Development决定。

Lakewood HOME Program (First-Time Homebuyer's 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：Property sold、Property transferred和Ceases to be owner-occupied。 该援助以2nd Lien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。

Lakewood HOME Program (First-Time Homebuyer's 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：Cannot have owned in last 3 years. Exceptions: single parents and displaced homemakers. 关于信用，该项目说明：No City-set minimum; must meet participating-lender credit standards. 须参加购房者教育课程，由HUD-certified counseling agency; online via Framework ($75) or eHome America ($99); plus City orientation video + quiz.提供。 居住要求：Property must be within the City of Lakewood. Three City inspections (visual paint/lead, dye test, CO). City files a second mortgage.

Lakewood HOME Program (First-Time Homebuyer's 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。 2025 limits (all household members over 18): 1=$55,650;2=$63,600;3=$71,550;4=$79,500;5=$85,900;6=$92,250;7=$98,600;8=$104,950. 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。

Lakewood HOME Program (First-Time Homebuyer's Program)将房价上限设为$280,000。 符合条件的房屋类型包括Single Family、Condo和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

Lakewood HOME Program (First-Time Homebuyer's Program)服务于在Lakewood，Ohio购房的购房者。

Lakewood HOME Program (First-Time Homebuyer's Program)的申请通过City of Lakewood, Division of Community Development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。