FHA Closing Cost Assistance Loan Program

FHA Closing Cost Assistance Loan Program是面向Reading，Pennsylvania购房者的补助金。 Neighborhood Housing Services of Greater Berks (NHS Greater Berks) is a HUD-approved housing counseling agency and CDFI-affiliated lender serving Berks County and the City of Reading, PA. NHS operates three distinct in-house lending products. The FHA Closing Cost Assistance Loan Program is a small amortizing second mortgage of up to $10,000, paired exclusively with an FHA-insured first mortgage, used to cover closing costs when the seller cannot contribute. NHS underwrites the second mortgage in tandem with the FHA first. Up to $10,000 in closing-cost assistance for buyers using an FHA-insured first mortgage to purchase a primary residence in NHS Greater Berks's service area. Provided as a small amortizing second mortgage at a low fixed rate, designed to bridge gaps that arise on FHA transactions where the seller cannot contribute the full closing cost. 资金来自NHS CDFI capital、PHFA Housing Trust Fund和Local Government。

FHA Closing Cost Assistance Loan Program属于补助金，因此无需偿还。 触发还款的情形：Amortizing monthly payments over the loan term和due on sale, refinance with cash-out, or transfer. 该援助以2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。

FHA Closing Cost Assistance Loan Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由NHS Greater Berks HUD-approved housing counseling program - pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be located within Berks County / City of Reading service area and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen。 Buyer must obtain an FHA-insured first mortgage from an NHS-approved lender, occupy the property as primary residence, complete NHS pre-purchase counseling and 8-hour homebuyer education, and meet a 620 minimum FICO. Household income between approximately $52,500 and $129,872 (Reading, PA MSA AMI tiers up through 140%). Property must be located in Berks County / City of Reading. Standard NHS asset, employment, and DTI underwriting applies.

FHA Closing Cost Assistance Loan Program将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Household income approximately $52,500 (1-person) up to $129,872 (8-person, ~140% Reading MSA AMI). Limits updated annually. 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。

FHA Closing Cost Assistance Loan Program的房价上限如下：Tracks NHS Greater Berks underwriting guidelines。 符合条件的房屋类型包括Single-family detached、Townhouse、Condominium和2-4 unit (owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

FHA Closing Cost Assistance Loan Program服务于在Reading，Pennsylvania购房的购房者。 该项目针对特定区域：Berks County, PA and the City of Reading。

FHA Closing Cost Assistance Loan Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served; applicants apply directly through NHS Greater Berks lending team after first-mortgage pre-approval.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。