1st Home Allegheny

1st Home Allegheny是面向Allegheny县，Pennsylvania购房者的可免除贷款，由Allegheny County Residential Finance Authority (ACRFA) / Allegheny County Economic Development管理。 A forgivable-loan down payment and closing cost assistance program for first-time buyers purchasing in Allegheny County outside the City of Pittsburgh. Provides a $45,000 loan to moderate-income buyers (<=80% AMI) or $10,000 to middle-income buyers, at 0% interest, fully forgiven after six years of continuous owner-occupancy. Loans held by ACRFA; closing costs covered first, remainder to down payment. Launched May 2025, renewed April 2026. Up to $45,000 forgivable assistance. 0% interest. Covers closing costs and down payment. Fully forgiven after 6 years. 资金来自Allegheny County Residential Finance Authority (ACRFA)。

1st Home Allegheny提供$10,000至$45,000的援助。 援助档次：$45,000 for moderate-income buyers (<=~80% AMI); $10,000 for middle-income buyers (up to 100% MFI for 1-2 person, 115% MFI for 3+ person). 购房者自付部分：Minimum buyer cash 1% of price or $1,000, whichever is less; retain 2 months of payments in cash after purchase; buyer asset income limited to $40,000 (excl. IRA/401k/529/HSA/day-care savings). 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Allegheny County Residential Finance Authority (ACRFA) / Allegheny County Economic Development决定。

1st Home Allegheny在6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, transfer, ceasing to occupy as primary residence, or renting before 6-year term; otherwise fully forgiven after 6 years of continuous owner-occupancy. 该援助以Subordinate (may be senior or subordinate case-by-case); RAAC holds 15-year right of first refusal at appraised value.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。

1st Home Allegheny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：No home ownership in past 36 months (if divorced, none in own name in past 36 months). 须参加购房者教育课程，由HUD-certified housing counseling program.提供。 Buyer must retain min two months of payments in cash after purchase; asset income capped at $40,000; primary purchase funds must be a private mortgage (not gifts); RAAC right of first refusal for 15 years. Distinct from Pittsburgh URA programs. Note: an early news article cited 15-year forgiveness; official May 2025 guidelines PDF confirms a 6-year forgiveness term (15 years = the right-of-first-refusal window). No published min credit score, max DTI; income_limit_amount left blank (two tiered tables).

1st Home Allegheny的收入限制如下：Pittsburgh MSA AMI by household size. $45,000 tier uses moderate-income limits (1 $60,100 ... 4 $85,850 ... 8 $113,350); $10,000 tier uses MFI middle-income limits (1 $86,480 ... capped $123,395). 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。

1st Home Allegheny的房价上限如下：No stated maximum purchase price; loan capped at $45,000/$10,000 per household. 符合条件的房屋类型包括Single Family、Townhouse和Condo。

1st Home Allegheny服务于在Allegheny县，Pennsylvania购房的购房者。

1st Home Allegheny的申请通过Allegheny County Residential Finance Authority (ACRFA) / Allegheny County Economic Development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Processed through participating private lenders and HUD-certified counselors; ACRFA holds the mortgages.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。