Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)是面向Dauphin县，Pennsylvania购房者的延期第二贷款，由Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board)管理。 Dauphin County's First-Time Homebuyers Program offers a 0% interest second/subordinated mortgage of up to $6,000 toward down payment and/or closing costs anywhere in Dauphin County, including the City of Harrisburg. No monthly payments are required; the full principal is repaid only on resale and returned to the program pool. Applicants complete approved homebuyer counseling and meet 80% AMI limits. Overseen by the Affordable Housing Trust Fund Advisory Board. Up to $6,000 toward down payment/closing costs. 0% interest. No monthly payments. Deferred repayment only on resale. Revolving pool. Rolling year-round applications. 资金来自Dauphin County Affordable Housing Trust Fund (county mortgage and deed recording fees)。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)提供最高$6,000的援助。 购房者自付部分：Buyer contributes minimum 3% of lesser of price/appraised value or $1,000, whichever is less; liquid assets at settlement may not exceed $20,000。 该项目可与PHFA first-mortgage and assistance products结合使用。 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Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board)决定。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)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：Full original principal due on resale (due-on-sale); subordinated upon refinance。 该援助以Second or subordinated 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。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)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 buyer OR no home ownership within the last 3 years。 关于信用，该项目说明：Set by first-mortgage lender underwriting (no county-published minimum)。 须参加购房者教育课程，由Fair Housing Council of the Capital Region; Advantage Credit Counseling; PathStone Corp - PA; Tri-County Housing提供。 居住要求：Buyer need not reside in Dauphin County, but the home must be in Dauphin County and may not be leased during residency。 First-time buyer or no ownership in last 3 years. Max sales price $224,000. Liquid assets capped at $20,000 at settlement. Min buyer contribution 3% of lesser of price/appraised value or $1,000 (whichever is less). Requires approved counseling and a signed Agreement of Sale before applying. Excess committed assistance ($100+) returned to county at settlement.

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)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。 <=80% Dauphin County median (HUD FY2025, eff 6/1/2025): 1p $59,050; 2p $67,450; 3p $75,900; 4p $84,300; 5p $91,050; 6p $97,800; 7p $104,550; 8p $111,300. 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。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)将房价上限设为$224,000。 符合条件的房屋类型包括Single Family。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)服务于在Dauphin县，Pennsylvania购房的购房者。

Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB)的申请通过Dauphin County Department of Community & Economic Development (Affordable Housing Trust Fund Advisory Board)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 distributed as available; approved-but-unfunded held until pool replenished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。