Welcome Home Program

Welcome Home Program是面向Gresham，Oregon购房者的延期第二贷款。 The City of Gresham Welcome Home Program provides up to $50,000 as a 0% interest deferred-payment second mortgage for down payment and closing cost assistance to low- and moderate-income first-time homebuyers purchasing within City of Gresham limits. Repaid upon sale, refinance without subordination, or loss of owner-occupancy. Up to $50,000 in down payment and closing cost assistance as a 0% interest deferred-payment second mortgage. Repaid upon sale, refinance without subordination, or loss of owner-occupancy. Maximum purchase price $489,000. 资金来自City、HOME和CDBG。

Welcome Home Program提供最高$40,000的援助。 购房者自付部分：Per first-mortgage program requirements。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Welcome Home Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, transfer, refinance without subordination, or loss of 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。

Welcome 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Typically 640 minimum FICO。 须参加购房者教育课程，由HUD-approved housing counseling agencies (Proud Ground, Portland Housing Center, Hacienda CDC, etc.)提供。 居住要求：Property must be located within City of Gresham, OR。 公民身份或移民身份：U.S. citizen or qualified non-citizen。 Pre-purchase homebuyer education required. Property must be located within City of Gresham limits. Maximum purchase price $489,000. Income limit 80% AMI ($66,100 for 1-person; $124,650 for 8-person, 2025 Portland MSA limits).

Welcome 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 at or below 80% Portland-Vancouver-Hillsboro MSA AMI: 1-person $66,100; 4-person $94,400; 8-person $124,650 (2025). 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。

Welcome Home Program将房价上限设为$489,000。 符合条件的房屋类型包括1-unit single-family, condominium, townhome, PUD。 新建房屋符合条件。 预制房屋不符合条件。

Welcome Home Program服务于在Gresham，Oregon购房的购房者。

Welcome 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 through City of Gresham Housing Division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。