City of Johnstown First Time Homebuyer Program

City of Johnstown First Time Homebuyer Program是面向Johnstown，Pennsylvania购房者的可免除贷款，由City of Johnstown, Department of Community and Economic Development (Office of Residential Development)管理。 The City of Johnstown First Time Homebuyer Program helps low- and moderate-income first-time buyers purchase and rehabilitate an existing single-family home within Johnstown City limits. It combines a partner-lender first mortgage at one point below prime (capped at 80% of appraised value) with a City deferred 0% second mortgage of up to $22,000 for repairs (10-year forgivable) and up to $3,000 in closing-cost assistance (5-year forgivable), plus a 10% contingency fund for one year after closing. Funded through HUD HOME funds (Consolidated Plan activity HOME-25-12), targeting ~6 households in the current plan year. First mortgage at one point below prime. up to $22,000 deferred 0% rehab second mortgage, forgivable over 10 years. up to $3,000 closing-cost assistance, forgivable over 5 years. mandatory radon testing/mitigation paid by program. 10% contingency rehab fund. 资金来自HUD HOME Investment Partnerships Program (FY2025-2029 Consolidated Plan activity HOME-25-12).

City of Johnstown First Time Homebuyer Program提供最高$25,000的援助。 援助档次：Two components: (1) City deferred 0% second-mortgage rehab loan up to $22,000, 10-year forgiveness; (2) closing-cost loan up to $3,000, 0%, 5-year forgiveness. Contingency fund of 10% of the original loan available one year after closing. 购房者自付部分：Minimum 3%-5% down payment depending on lender requirements. 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 Johnstown, Department of Community and Economic Development (Office of Residential Development)决定。

City of Johnstown 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 before the lien term, vacating the property, or failure to maintain it. Rehab second mortgage has a 10-year lien term; closing-cost loan has a 5-year lien term; full amount due at closing of sale if sold before term. 该援助以Second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。

City of Johnstown 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 residential real estate in the previous 3 years. 关于信用，该项目说明：Must meet the lender's creditworthiness standards; participating banks require at least a 650 credit score. 居住要求：Property must be located within the Johnstown City limits. No residential ownership in the previous 3 years; must own/occupy/maintain 10 years; 3%-5% down payment; participating banks require 650+ credit; income within HUD Section 8 limits for the Johnstown MSA; existing single-family home in City limits passing City inspection plus lead-based paint risk assessment; radon testing/mitigation mandatory; all utilities on; no Sheriff Sale homes; must use a participating partner lender. Funding confirmed via FY2025-2029 Consolidated Plan Substantial Amendment #1 (HOME-25-12, $138,067.31).

City of Johnstown 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。 Household income must not exceed HUD Section 8 income limits for the Johnstown MSA. FY2025 max by size: 1=$47,250; 2=$54,000; 3=$60,750; 4=$67,500; 5=$72,900; 6=$78,300; 7=$83,700; 8=$89,100 (~80% AMI). 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。

City of Johnstown First Time Homebuyer Program的房价上限如下：No stated maximum; partner-lender first mortgage limited to 80% of appraised value, City rehab second mortgage capped at $22,000. 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。

City of Johnstown First Time Homebuyer Program服务于在Johnstown，Pennsylvania购房的购房者。 目标社区：Citywide within Johnstown City limits.

City of Johnstown First Time Homebuyer Program的申请通过City of Johnstown, Department of Community and Economic Development (Office of Residential 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Apply through the City Office of Residential Development; allow 45-60 days for closing.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。