Oklahoma/Canadian counties HOME program

Oklahoma/Canadian counties HOME program是面向Multiple县，Oklahoma购房者的延期第二贷款。 Community Action Agency-administered HUD HOME Consortium funded DPA program for first-time homebuyers in suburban Oklahoma County and Canadian County. Up to $14,999 deferred 5-year forgivable second mortgage. Up to $14,999 in down payment and closing cost assistance for first-time homebuyers purchasing within Oklahoma County (outside OKC city limits) and Canadian County. Structured as a 0% interest, deferred-payment second mortgage forgiven over 5 years. HUD HOME Consortium pass-through administered by Community Action Agency. 资金来自Federal、HUD、HOME和Consortium。

Oklahoma/Canadian counties 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：Pro rata recapture if owner sells, refinances, or vacates within 5-year affordability period。 该援助以2nd 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。

Oklahoma/Canadian counties 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：FTHB waiver for displaced homemakers/single parents per HUD。 关于信用，该项目说明：640 minimum FICO recommended; lender overlays apply。 须参加购房者教育课程，由HUD-approved housing counseling agencies; CAA homebuyer education; 8-hour pre-purchase counseling required提供。 居住要求：Property within Oklahoma County (outside OKC city limits) or Canadian County, OK; owner-occupied。 公民身份或移民身份：U.S. citizen or qualifying permanent resident per HUD HOME。 First-time homebuyer. Property within Oklahoma County (outside OKC city limits) or Canadian County, OK as primary residence. Income at or below 80% OKC MSA AMI ($50,150-$94,550). Minimum $1,000 borrower contribution. HUD-approved 8-hour pre-purchase education required. HUD HOME property standards inspection. 5-year affordability period.

Oklahoma/Canadian counties HOME 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。 Household income $50,150 (1 person) to $94,550 (8 person) per HUD HOME 80% AMI Oklahoma City MSA. 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。

Oklahoma/Canadian counties HOME program将房价上限设为$280,000。 符合条件的房屋类型包括Single-family detached, condo, townhouse, 1-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Oklahoma/Canadian counties HOME program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Oklahoma/Canadian counties HOME program服务于在Multiple县，Oklahoma购房的购房者。 该项目针对特定区域：Oklahoma County (suburban portions outside OKC city limits) and Canadian County, OK。

Oklahoma/Canadian counties 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Apply via CAA; first-come first-served per annual HOME Consortium allocation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。