City of Erie HOME First-Time Homebuyer Program

City of Erie HOME First-Time Homebuyer Program是面向Erie，Pennsylvania购房者的可免除贷款，由City of Erie Department of Economic & Community Development (DECD)管理。 The City of Erie's HOME Investment Partnership Program provides first-time homebuyers with closing cost and down payment assistance toward the purchase of a single-family home within Erie city limits. Assistance is provided as a deferred, forgivable HOME loan of up to $24,999, secured by a lien and forgiven on a pro-rata basis over a 5- or 10-year affordability period. Applicants must be pre-approved by a local lender, be income-eligible, and contribute $1,000-$1,500 of their own funds. Up to $24,999 in down payment and closing cost assistance. Deferred, no-payment loan. Fully forgiven if the home is kept as a primary residence through the affordability period. 资金来自U.S. HUD HOME Investment Partnerships Program (HOME) funds。

City of Erie HOME First-Time Homebuyer Program提供最高$24,999的援助。 该项目要求购房者自付$1,000 or $1,500 depending on total household income。 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City of Erie Department of Economic & Community Development (DECD)决定。

City of Erie HOME First-Time Homebuyer Program在10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, refinance, default on the first mortgage, or failure to occupy as primary residence during the affordability period; pro-rata portion repaid to HUD. 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。

City of Erie HOME 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：First-time homebuyer defined as someone who has never owned a home, a displaced homemaker, or someone who has not owned a home in the last three years. 须参加购房者教育课程。 居住要求：Property must be a single-family dwelling located within the City of Erie limits. Applicant must be pre-approved by a local lending institution, be income-eligible, and commit $1,000 or $1,500 of their own funds (amount depends on household income). Must occupy as primary residence for the entire 5- or 10-year affordability period. NOTE (gap-finder): exact income limits not extracted from the linked PDF; verify before publishing.

City of Erie HOME First-Time Homebuyer Program可用于Single Family。

City of Erie HOME First-Time Homebuyer Program服务于在Erie，Pennsylvania购房的购房者。 该项目针对特定区域：Assistance is limited to homes purchased within the City of Erie municipal limits.

City of Erie HOME First-Time Homebuyer Program的申请通过City of Erie Department of Economic & Community Development (DECD)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。