CCHLA First Home Program

CCHLA First Home Program是面向Statewide，Oklahoma购房者的可免除贷款。 The Cleveland County Home Loan Authority (CCHLA) First Home Program is a Mortgage Revenue Bond (MRB) program providing first-time homebuyers in Cleveland County, Oklahoma with a below-market-rate first mortgage (FHA, VA, or USDA-RD) plus a 3.5% forgivable second mortgage DPA (maximum $17,882) at 0% interest with no monthly payments. The DPA lien is forgiven in full on the last day of the 60th month (5 years) after closing, provided the home remains the borrower's principal residence and no triggering event (sale, refinance, default, transfer) occurs within that period. Veterans (DD-214, non-dishonorable discharge) and buyers in federally designated targeted census tracts are exempt from the FTHB requirement. The program operates on the eHousingPlus platform, parallel to the Tulsa County First Home Program. Consumer site: myfirstclevelandcountyhome.com. 3.5% of total note amount as 0% interest forgivable second mortgage (maximum $17,882 DPA). Forgiven on last day of 60th month (5 years) after closing. FHA, VA, and USDA-RD eligible first mortgages. No program DTI overlay (AUS governs). Veterans exempt from FTHB requirement (with DD-214). Targeted area purchases exempt from FTHB requirement. 资金来自County - Mortgage Revenue Bond (MRB)。

CCHLA First Home Program提供最高$17,882的援助。 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管理该项目的机构决定。

CCHLA First Home 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, refinance, transfer of title, default, or property no longer primary residence (within 5 years of closing)。 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。

CCHLA First Home 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：Veterans with DD-214 (non-dishonorable discharge) and buyers in designated targeted census tracts are exempt from FTHB requirement。 关于信用，该项目说明：620 minimum; no program DTI overlay (AUS governs)。 须参加购房者教育课程，由HUD-approved homebuyer education providers提供。 居住要求：Primary residence only; must remain principal residence for full 5-year forgiveness period。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Parallel in structure to TCHFA First Home; on eHousingPlus platform. Annual bond cap not separately confirmed for CCHLA.

CCHLA First Home Program将家庭收入限制在$102,945。 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。

CCHLA First Home Program将房价上限设为$510,939。 符合条件的房屋类型包括Single Family、Townhouse、PUD和Condo。 新建房屋符合条件。 预制房屋不符合条件。

CCHLA First Home Program服务于在Statewide，Oklahoma购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts in Cleveland County, Oklahoma (specific tract numbers not published; confirm via eHousingPlus portal or CCHLA)。

CCHLA First Home Program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eHousingPlus portal (ehousingplus.com/cleveland-county-home-loan-authority/)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。