Chester County First Time Homebuyer Program

Chester County First Time Homebuyer Program是面向Chester县，Pennsylvania购房者的延期第二贷款，由Chester County Department of Community Development (operated by the Housing Partnership of Chester County)管理。 The Chester County First Time Homebuyer Program (Chester County Dept of Community Development, HUD HOME-funded, operated by the Housing Partnership of Chester County) provides pre-purchase counseling and a 0% interest deferred second-mortgage loan for down payment and closing costs to first-time buyers at or below 80% AMI purchasing anywhere in Chester County. The loan is based on need, up to $40,000, repaid in full upon sale, transfer, or refinance. 0% interest deferred loan for down payment and closing costs. Loan up to $40,000 based on need. No monthly payments until sale/transfer/refinance. Free HUD-certified counseling (English and Spanish). 资金来自Federal HUD HOME Investment Partnerships Program funds (24 CFR Part 92) through Chester County Department of Community Development。

Chester County First Time Homebuyer Program提供最高$40,000的援助。 援助档次：County-wide max loan $40,000; based on individual financial need。 购房者自付部分：Minimum $1,000 of borrower's own funds toward purchase, plus proof of two months of reserves at settlement。 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Chester County Department of Community Development (operated by the Housing Partnership of Chester County)决定。

Chester County First Time Homebuyer 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：All funds repaid when the property is sold, transferred, or refinanced。 该援助以Second mortgage 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。

Chester County First Time Homebuyer 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：Must not have owned a home in the 3 years prior to application; displaced homemakers also qualify。 关于信用，该项目说明：No minimum credit score published; HPCC may deny based on income, credit history, sales price, assets, and property condition。 须参加购房者教育课程，由Housing Partnership of Chester County (required homebuying seminar/group counseling up to 8 hrs + one-on-one and a credit/budgeting session with a HUD-certified counselor)提供。 公民身份或移民身份：Application collects citizenship status; no explicit eligibility restriction stated。 Eligible settlement expenses include title work, deed/document prep, escrows, notary/credit/appraisal/inspection fees, transfer taxes, recording fees, loan discount/origination points, and DP/closing costs. Min credit score, max DTI, and the specific HUD HOME max purchase price not published numerically (null). The $40,000 cap is current; an older HPCC description referenced $10,000 county-wide / $20,000 in Coatesville—confirm current Coatesville treatment with HPCC.

Chester County First Time Homebuyer 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。 At or below 80% AMI by household size: 1=$66,850; 2=$76,400; 3=$85,950; 4=$95,500; 5=$103,150; 6=$110,800; 7=$118,450; 8=$126,100. 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。

Chester County First Time Homebuyer Program的房价上限如下：Maximum sales price determined by HUD's HOME Program。 符合条件的房屋类型包括Single-family detached、Semi-detached、Attached/townhouse和Condominium。 新建房屋符合条件。

Chester County First Time Homebuyer Program服务于在Chester县，Pennsylvania购房的购房者。 该项目针对特定区域：$40,000 county-wide max anywhere in Chester County; HPCC historically noted enhanced assistance for City of Coatesville purchases。

Chester County First Time Homebuyer Program的申请通过Chester County Department of Community Development (operated by the Housing Partnership of Chester County)办理，该机构在其网站上公布现行条款和申请步骤。 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。