First-Time Home Buyers Program

First-Time Home Buyers Program是面向Monroe县，Pennsylvania购房者的延期第二贷款。 The Monroe County Redevelopment Authority First-Time Home Buyers Program provides up to $10,000 in down-payment and closing-cost assistance to income-qualified first-time homebuyers purchasing a primary residence anywhere in Monroe County, PA. The program is funded through HUD HOME pass-through dollars administered by the Monroe County RDA. Assistance is recorded as a 0% interest deferred / forgivable second mortgage with a 5-year affordability period; the lien is forgiven pro-rata as long as the buyer continues to occupy the property as their primary residence. The program is targeted at the Pocono housing market. Up to $10,000 in down-payment and closing-cost assistance as a 0% interest deferred / forgivable second mortgage for first-time homebuyers purchasing a primary residence in Monroe County (Pocono area). Funds are HUD HOME pass-through dollars and are forgiven on a pro-rata basis over the 5-year affordability period if the buyer remains in the home as their primary residence. 资金来自HOME、Federal和Local Government。

First-Time Home Buyers 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：Forgiven pro-rata over a 5-year affordability period和full balance due if the buyer sells, refinances with cash-out, transfers title, or ceases to occupy the home as primary residence within the 5-year period. 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。

First-Time Home Buyers 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 (no ownership of principal residence in prior 3 years) or displaced homemaker. 关于信用，该项目说明：Underwriting follows the buyer's first-mortgage product; no published RDA credit floor。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Monroe County; pre-purchase homebuyer education certificate required prior to closing.提供。 居住要求：Property must be located in Monroe County, PA and be the buyer's primary residence for the 5-year affordability period. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by HUD HOME rules。 Buyer must be a first-time homebuyer (no ownership of principal residence in the prior 3 years) or a displaced homemaker. Property must be located in Monroe County, PA, and be the buyer's primary residence for the duration of the affordability period. Household income may not exceed 80% of HUD AMI for the Monroe County (East Stroudsburg, PA HMFA): 1-person ~$63,437 up to 8-person ~$119,625. Buyer must complete HUD-approved homebuyer education and contribute a minimum of 1% of the purchase price from their own funds. Property must pass a HUD HQS / lead-based paint inspection. Loan is recorded as a second mortgage and forgiven over a 5-year affordability period.

First-Time Home Buyers 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 at or below 80% Monroe County (East Stroudsburg, PA HMFA) AMI: 1-person ~$63,437; 4-person ~$90,650; 8-person ~$119,625. Limits updated annually by HUD. 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 Buyers Program的房价上限如下：Maximum purchase price tracks HUD HOME 95% area median purchase price for Monroe County。 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

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

First-Time Home Buyers 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 subject to annual HUD HOME funding allocation; applicants apply directly through Monroe County RDA after lender 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。