Oklahoma City HOME program

Oklahoma City HOME program是面向Oklahoma City，Oklahoma购房者的延期第二贷款。 Community Action Agency-administered HUD HOME-funded down payment assistance program for first-time homebuyers purchasing within Oklahoma City limits. Up to $14,999 as 0% deferred 5-year forgivable second mortgage. Up to $14,999 in down payment and closing cost assistance for first-time homebuyers purchasing within Oklahoma City limits. Structured as a 0% interest, deferred-payment second mortgage forgiven 20% per year over 5 years if owner remains in the home as primary residence. HUD HOME pass-through administered by Community Action Agency of Oklahoma City and OK/Canadian Counties. 资金来自Federal、HUD、HOME和City。

Oklahoma City 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, transfers title, or vacates property before 5-year affordability period ends和fully forgiven after 5 years owner-occupancy。 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 City HOME program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO recommended; first-mortgage lender overlays apply。 须参加购房者教育课程，由HUD-approved housing counseling agencies in OKC including CAA's own homebuyer education program; 8-hour pre-purchase counseling required提供。 居住要求：Property must be within City of Oklahoma City corporate limits and occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent resident per HUD HOME rules。 First-time homebuyer (no homeownership in past 3 years). Property must be within City of Oklahoma City corporate limits as primary residence. Household income at or below 80% OKC MSA AMI ($50,150-$94,550 by household size). Minimum $1,000 borrower contribution. HUD-approved 8-hour pre-purchase homebuyer education required. Property must pass HUD HOME property standards inspection. 5-year affordability — pro rata recapture if owner sells/refinances/vacates.

Oklahoma City 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 City 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 City 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 City HOME program服务于在Oklahoma City，Oklahoma购房的购房者。 该项目针对特定区域：City of Oklahoma City Neighborhood Revitalization Strategy Area (NRSA) census tracts may receive enhanced assistance。

Oklahoma City 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Application submitted by borrower/lender to CAA; first-come first-served subject to annual HOME 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。