TCHFA First Home Program

TCHFA First Home Program是面向Statewide，Oklahoma购房者的可免除贷款。 The Tulsa County Home Finance Authority (TCHFA) First Home Program is a $25 million Mortgage Revenue Bond (MRB) program established December 2024 (2024A bonds) and continued as 2025A series. It provides first-time homebuyers in Tulsa County, Oklahoma with a below-market-rate first mortgage (FHA, VA, or USDA-RD) plus a 3.5% forgivable second mortgage DPA equal to 3.5% of the total note amount at 0% interest with no monthly payments. The DPA lien is forgiven in full on the last day of the 60th month (5 years) after closing, provided the home remains the borrower's principal residence and the loan is not refinanced, sold, or in default. Veterans (DD-214, non-dishonorable discharge) and buyers in federally designated targeted census tracts are exempt from the FTHB requirement. Lenders reserve loans through eHousingPlus; master servicer is Land Home Financial Services. 3.5% of total note amount as 0% interest forgivable second mortgage. Forgiven on last day of 60th month (5 years) after closing. FHA, VA, and USDA-RD eligible first mortgages. No program DTI overlay (AUS governs). Veterans exempt from first-time homebuyer requirement. Targeted area purchases exempt from FTHB requirement. eHousingPlus reservation portal. 资金来自County - Mortgage Revenue Bond (MRB)。

TCHFA First 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：Sale, refinance, transfer of title, default, or property no longer primary residence (within 5 years of closing)。 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。

TCHFA First 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：Veterans with DD-214 (non-dishonorable discharge) exempt from FTHB requirement; buyers in targeted census tracts exempt。 关于信用，该项目说明：620 minimum; no program DTI overlay (AUS - DU/LPA/GUS - governs)。 须参加购房者教育课程，由HUD-approved providers; eHomeAmerica, HomeView, CreditSmart, MGIC Finally Home, NeighborWorks accepted提供。 居住要求：Primary residence only; must remain principal residence for full 5-year forgiveness period。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Master servicer Land Home Financial Services; income/price limits revised 07/16/2025.

TCHFA First Home Program将家庭收入限制在$112,559。 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。

TCHFA First Home Program将房价上限设为$544,232。 符合条件的房屋类型包括Single Family、Townhouse、PUD和Condo。 新建房屋符合条件。 预制房屋不符合条件。

TCHFA First Home Program服务于在Statewide，Oklahoma购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts in Tulsa County per Rev. Proc. 2024-8 (e.g., 0004.00, 0005.00, 0012.00, 0013.00, 0015.00, 0030.00, 0046.00, 0057.00, 0062.00, 0076.08, 0076.41, 0080.01, 0080.02, 0090.08, 0091.01)。

TCHFA First 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eHousingPlus portal (ehousingplus.com)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。