City of Edmond Homebuyer Assistance Program

City of Edmond Homebuyer Assistance Program是面向Edmond，Oklahoma购房者的可免除贷款，由City of Edmond Housing and Community Resources Department管理。 The City of Edmond Homebuyer Assistance Program provides low-to-moderate income individuals and families with a forgivable second-mortgage loan covering 50% of the required down payment, up to $14,999, to reduce the financial barriers to homeownership within Edmond city limits. The loan is forgiven in full if the buyer maintains primary residency for five years; otherwise a 20%-per-year recapture applies. Buyers must contribute at least 1% of the purchase price from personal funds and complete an approved homebuyer education course. The program is funded by CDBG and operates on a first-come, first-served basis when annual funding is available. Up to $14,999 forgivable loan. Covers 50% of required down payment. Zero interest. Fully forgiven after 5 years of owner-occupancy. CDBG-funded. 资金来自CDBG。

City of Edmond Homebuyer Assistance Program提供最高$14,999的援助。 购房者自付部分：Buyer must contribute at least 1% of purchase price from own funds. Earnest money and inspection fees may count. No cash back at closing. 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 Edmond Housing and Community Resources Department决定。

City of Edmond Homebuyer 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：Move-out, sale, or rental of property within 5 years; 20% per year of original assistance recaptured。 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。

City of Edmond Homebuyer Assistance Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由["Neighborhood Housing Services (NHS Oklahoma), (405) 231-4663; free classes in OKC or online"]提供。 居住要求：Home must be within Edmond city limits; verify at gis.edmondok.gov/addresslocator。

City of Edmond Homebuyer 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。 Gross household income must be below HUD LMI limits. FY2025: 1-person $54,500; 2-person $62,300; 3-person $70,100; 4-person $77,850; 5-person $84,100; 6-person $90,350; 7-person $96,550; 8-person $102,800. 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。

City of Edmond Homebuyer Assistance Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

City of Edmond Homebuyer Assistance Program服务于在Edmond，Oklahoma购房的购房者。

City of Edmond Homebuyer Assistance Program的申请通过City of Edmond Housing and Community Resources Department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; currently waitlisted for Fall 2026 funding cycle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。