City of Stillwater Homebuyer Assistance Program

City of Stillwater Homebuyer Assistance Program是面向Stillwater，Oklahoma购房者的可免除贷款，由City of Stillwater Development Services Department管理。 The City of Stillwater Homebuyer Assistance Program (HBA) provides up to $5,000 in down payment and/or closing cost assistance to eligible buyers purchasing within Stillwater city limits. Two tracks serve homebuyers: Path 1 targets low-to-moderate income households (80% AMI Payne County) with no income-capped purchase price limit beyond the local median; Path 3 assists anyone purchasing their first home in Stillwater city limits regardless of income, subject to a $250,000 purchase price cap. Both tracks use a 7-year forgivable second mortgage with annual residency certification; full forgiveness accrues in years 5–7. Up to $5,000 forgivable second mortgage. Zero interest. 7-year affordability period with prorated forgiveness from year 5. Free city-provided homebuyer education course. Two eligibility tracks: LMI or First-Time in Stillwater. 资金来自City of Stillwater (income limits reference HUD/OHFA LMI tables for Payne County; likely CDBG)。

City of Stillwater Homebuyer Assistance Program提供最高$5,000的援助。 援助档次：Path 1 (LMI): Income at or below 80% AMI Payne County; purchase price capped at Stillwater Board of Realtors median. Path 3 (First Time in Stillwater): No income limit; must be first-time buyer within Stillwater city limits; maximum purchase price $250,000. 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 Stillwater Development Services Department决定。

City of Stillwater Homebuyer Assistance Program在7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, assignment, ceasing to occupy as primary residence, rental or lease of any portion (including short-term), or HBA policy violation before end of 7-year affordability period。 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 Stillwater 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["City of Stillwater free online homebuyer education course. Register at https://stillwaterok.gov/413/Homebuyers-Education-Class or email homebuyers@stillwaterok.gov. Certificate valid for 1 year from date of completion."]提供。 居住要求：Property must be within the corporate limits of Stillwater, Oklahoma。

City of Stillwater 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。 Path 1 — HUD FY2025 Low (80%) Income Limits, Payne County: 1-person $46,600; 2-person $53,250; 3-person $59,900; 4-person $66,550; 5-person $71,900; 6-person $77,200; 7-person $82,550; 8-person $87,850. Income of all household members 18+ included (minors excluded). Path 3 has no income limit. 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 Stillwater Homebuyer Assistance Program将房价上限设为$250,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

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

City of Stillwater Homebuyer Assistance Program的申请通过City of Stillwater Development Services 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. Approved properties must close within 45 days of assistance approval.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。