City of Ponca City Homebuyer Assistance Program

City of Ponca City Homebuyer Assistance Program是面向Ponca City，Oklahoma购房者的可免除贷款，由City of Ponca City Grant Administration Department管理。 The City of Ponca City Homebuyer Assistance Program is a CDBG-funded initiative designed to lower barriers to homeownership for low-to-moderate income households within Ponca City limits. The program provides up to $3,500 toward down payment and closing costs on a first-come, first-served basis, subject to funding availability. Assistance is structured as a 5-year forgivable loan; the loan is fully forgiven if the buyer maintains primary occupancy for five years, otherwise a prorated recapture applies. First-time homebuyers are required to complete a HUD-approved homebuyer education class. Up to $3,500 for down payment and/or closing costs. Zero interest 5-year forgivable loan. CDBG-funded. First-come, first-served. 资金来自CDBG; funded jointly by City of Ponca City, Oklahoma Department of Commerce, and HUD。

City of Ponca City Homebuyer Assistance Program提供最高$3,500的援助。 购房者自付部分：Applicant must contribute a minimum of 1% toward the purchase price from own funds. Gift funds may be considered toward this minimum. 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 Ponca City Grant Administration Department决定。

City of Ponca City 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, sale, or rental of property before 5-year principal residence period is complete; prorated recapture of remaining balance。 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 Ponca City 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["First-time homebuyers must complete a Homebuyer Education Class (HUD-approved)"]提供。 居住要求：Home must be within City limits of Ponca City, Oklahoma。 公民身份或移民身份：Applicant must be a U.S. citizen or permanent resident alien。

City of Ponca City 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。 Total household income of all residents to reside in the home must be less than 80% of HUD median income for Kay County, Oklahoma, adjusted by household size. 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 Ponca City Homebuyer Assistance Program可用于Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

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

City of Ponca City Homebuyer Assistance Program的申请通过City of Ponca City Grant Administration 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, subject to funding availability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。