Centre County First-Time Home Buyer Program

Centre County First-Time Home Buyer Program是面向Centre县，Pennsylvania购房者的延期第二贷款，由Centre County Planning & Community Development (Housing) / Centre County Housing Trust Fund管理。 Centre County Commissioners, with participating banks and the Centre County Housing Trust Fund, provide up to $10,000 or 10% of purchase price (whichever is less) in down payment/closing-cost assistance as a soft second mortgage, due on sale, refinance, loss of owner-occupancy, or payoff of the first mortgage. Buyers must be first-time (no ownership in 3 years), meet income/asset limits, and complete homebuyer education. Up to $10,000 / 10% of price. 0% interest, no monthly payments (deferred). free homebuyer education + pre-purchase inspection. 资金来自Centre County Housing Trust Fund。

Centre County First-Time Home Buyer Program提供最高$10,000的援助。 援助档次：Up to $10,000 or 10% of purchase price (whichever is less); special consideration/adjusted amount for households at/below 50% AMI. 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Centre County Planning & Community Development (Housing) / Centre County Housing Trust Fund决定。

Centre County First-Time Home Buyer 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：Payable on resale, refinance, when the home ceases to be the borrower's full-time residence, or when the first mortgage is paid in full. 该援助以Second (soft second mortgage)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。

Centre County First-Time Home Buyer 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：No homeownership in past 3 years; a legally-separated single parent with custody of minor children is also eligible. 关于信用，该项目说明：680+ if 3+ consecutive years with current employer; 700+ if employed less than 3 years. 须参加购房者教育课程，由Participating bank's homeownership/home-buying course提供。 居住要求：Property must be in Centre County。 First mortgage via a participating bank; mandatory homebuyer education and pre-purchase inspection; asset limits ($15,000 incl. real property at application; $7,500 cash at settlement); refinance of first mortgage requires payoff of County loan.

Centre County First-Time Home Buyer Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income must not exceed published guideline by size (4-person $108,100; HUD limits updated ~May); separate 50% AMI column governs special-consideration amounts. 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。

Centre County First-Time Home Buyer Program可用于Single Family。

Centre County First-Time Home Buyer Program服务于在Centre县，Pennsylvania购房的购房者。

Centre County First-Time Home Buyer Program的申请通过Centre County Planning & Community Development (Housing) / Centre County Housing Trust Fund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 through a participating bank; subject to availability of funds.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。