Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program是面向Cumberland县，Pennsylvania购房者的可免除贷款，由The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities)管理。 A county-funded first-time homebuyer down payment and closing cost assistance program providing up to $5,000 (up to $3,000 for 80-100% AMI; up to $5,000 below 80% AMI) as a five-year, no-interest, forgivable second-mortgage loan, matching the buyer's contribution 3-to-1. Applicants must have lived or worked in Cumberland County for six months, be a first-time homebuyer, have a 620+ credit score, complete homebuyer education, hold no more than $30,000 in assets after settlement, and purchase a single-family home in Cumberland County. Up to $5,000 in DP/closing cost assistance. No interest, no monthly payments. Fully forgiven after 5 years. 3-to-1 match on buyer contribution. No maximum purchase price. 资金来自County of Cumberland (administered via the Redevelopment Authority of Cumberland County); awards each year depend on the annual allocation。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program提供最高$5,000的援助。 援助档次：80-100% of County Median Income: up to $3,000. Below 80% of County Median Income: up to $5,000. 购房者自付部分：Buyer must contribute their own funds matched 3-to-1 (program provides $3 per $1 of buyer funds); match capped at $3,000 (80-100% AMI) or $5,000 (below 80% 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The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities)决定。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program在5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, or loss of owner-occupancy before the 5-year forgiveness term completes; 1/60 forgiven per month。 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。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance 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 = never owned a home; owned a mobile home but not the land; displaced homemaker; or not owned a home within the last three years。 关于信用，该项目说明：Credit score of 620 or higher with lender documentation。 须参加购房者教育课程，由Any HUD-approved Housing Counseling agency; certificate of completion required prior to settlement提供。 居住要求：Must have lived or worked in Cumberland County for at least six months。 PROGRAM STATUS: official program page (modified 2026-05-27) states the program CLOSES TO NEW APPLICATIONS EFFECTIVE JULY 1, 2026; active and accepting applications as of the research date (2026-06-15). Upon approval, applicant has up to 6 months to close. Detailed guidelines/application/grant-agreement PDFs are linked on the program page but cached copies returned mismatched documents; values are from the official HTML program page only. Max DTI, citizenship, new-construction/HOA/flood-zone, and loan-mechanics fields not specified (null).

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance 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。 2026 income limits (gross annual household income not to exceed 100% AMI): 1: 80%=$61,250/100%=$76,600; 2: $70,000/$87,500; 3: $78,750/$98,400; 4: $87,450/$109,300; 5: $94,450/$118,100; 6: $101,450/$126,800; 7: $108,450/$135,600; 8: $115,450/$144,300. 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。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program的房价上限如下：No maximum purchase price; eligible applicants may purchase single-family homes of any price in Cumberland County。 符合条件的房屋类型包括Single-family detached、Manufactured home (HUD code, permanently affixed)和Modular/factory-built housing。 预制房屋符合条件。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program服务于在Cumberland县，Pennsylvania购房的购房者。

Cumberland County First-Time Homebuyer's Down Payment and Closing Cost Assistance Program的申请通过The Redevelopment Authority of Cumberland County (Cumberland County Housing & Redevelopment Authorities)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Applications accepted year-round; funds reserved first-come, first-served subject to availability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。