First-Time Home Buyer Program

First-Time Home Buyer Program是面向Centre县，Pennsylvania购房者的可免除贷款。 Centre County (NOT 'Center County') HOME-funded FTHB DPA. Up to $5,000 0% forgivable soft second forgiven at 5 years. Centre County PA (State College area), FTHB, 80% AMI, 660 FICO, mandatory counseling. Centre County PA (NOTE: DPA One database lists this as 'Center County' which is a TYPO. correct name is 'Centre County') Planning and Community Development First-Time Home Buyer Program provides HUD HOME-funded down payment and closing cost assistance up to $5,000 to qualifying first-time homebuyers purchasing in Centre County PA (State College area, including Bellefonte and Philipsburg). The DPA is a 0% interest deferred forgivable second mortgage forgiven at 5 years per HUD HOME rules. Pairs with FHA, VA, USDA, or Conventional first mortgage. 660 minimum FICO. Income range $75,700-$142,700 reflects Centre County / State College MSA 80% AMI 1p-8p. 资金来自Federal和HOME。

First-Time Home Buyer 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：5-year HUD HOME affordability period. If property is sold/refi/transferred or borrower vacates within 5 years, unforgiven balance due in full. Forgiven at 5 years of continuous owner-occupancy. 该援助以2nd Lien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。

First-Time Home Buyer 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 required (no ownership in past 3 years), with HUD HOME exceptions for displaced homemakers and single parents. 关于信用，该项目说明：660 minimum FICO. 须参加购房者教育课程，由HUD-approved homebuyer counseling required (e.g., Centre County Affordable Housing Coalition, NeighborWorks).提供。 居住要求：Property must be located in Centre County PA and used as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product and HUD HOME rules. Property must be located in Centre County PA (NOT 'Center County' - DPA One typo). First-time homebuyer required (no ownership in past 3 years). 660 minimum credit score. Income at or below 80% AMI for Centre County / State College MSA (range $75,700-$142,700 1p-8p). Borrower must complete pre-purchase homebuyer counseling at HUD-approved agency. Property must be borrower's primary residence. Soft second forgiven at 5 years of continuous owner-occupancy per HUD HOME rules.

First-Time Home Buyer 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。 Income range $75,700-$142,700 reflects Centre County / State College MSA 80% AMI for household sizes 1-8 (high relative to other PA counties due to Penn State / State College area). 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。

First-Time Home Buyer Program的房价上限如下：Per HUD HOME 95% area median sales price for Centre County and first-mortgage loan limits. 符合条件的房屋类型包括1- to 2-unit owner-occupied primary residence (single-family detached, duplex, townhouse, condominium). 新建房屋符合条件。 预制房屋不符合条件。

First-Time Home Buyer Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

First-Time Home Buyer Program服务于在Centre县，Pennsylvania购房的购房者。

First-Time Home Buyer 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Apply directly to Centre County Planning and Community Development. Funds reserved on first-come, first-served basis subject to allocation.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。