City of Lawton First-Time Homebuyers Program

City of Lawton First-Time Homebuyers Program是面向Lawton，Oklahoma购房者的可免除贷款，由City of Lawton Housing and Community Development Department管理。 The City of Lawton First-Time Homebuyers Program helps low- to moderate-income first-time buyers purchase a home within Lawton city limits with up to $14,999.99 in down payment and closing cost assistance. The assistance is split 50% repayable loan and 50% 0% interest deferred forgivable loan conditioned on continued owner-occupancy. The program is funded with federal CDBG or HOME dollars. Up to $14,999.99 in down payment and closing cost assistance. 0% interest on the forgivable half. Existing and new-construction homes eligible. Multiple property types. 资金来自CDBG or HOME Investment Partnerships Program (federal HUD).

City of Lawton First-Time Homebuyers Program提供最高$15,000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City of Lawton Housing and Community Development Department决定。

City of Lawton First-Time Homebuyers Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：50% repaid in small monthly payments; 50% forgivable conditioned on continued owner-occupancy. 该援助以Subordinate (second) 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。

City of Lawton First-Time Homebuyers 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：No ownership of a principal residence in the prior three years. 须参加购房者教育课程，由Homeowner Education Class; completion required before assistance.提供。 居住要求：Own and occupy as primary residence for the forgiveness period. Half the assistance is a repayable loan (small monthly payments). Primary financing from a private lender. Property in Lawton, inspected and HCD-approved. Income-limit dollar figures in Downloads section; confirm with HCD. max_dti: housing ratio 30%.

City of Lawton First-Time Homebuyers 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。 Total household gross income <=80% AMI for Lawton/Comanche County, adjusted by household size. Dollar amounts in the Downloads section; confirm with HCD. 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。

City of Lawton First-Time Homebuyers Program可用于Single Family、Patio Home、Condo和Townhouse。 新建房屋符合条件。

City of Lawton First-Time Homebuyers Program服务于在Lawton，Oklahoma购房的购房者。

City of Lawton First-Time Homebuyers Program的申请通过City of Lawton Housing and Community Development 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; property inspected and approved by HCD staff.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。