First Time Homebuyer Down Payment & Closing Cost Assistance Program

First Time Homebuyer Down Payment & Closing Cost Assistance Program是面向Butler县，Pennsylvania购房者的延期第二贷款。 The Housing Authority of the County of Butler's First Time Homebuyer Down Payment & Closing Cost Assistance Program provides up to $5,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in Butler County, PA. Assistance is a 0% interest deferred / forgivable second mortgage with a 5-year affordability period funded through PHFA Housing Trust Fund and HUD HOME pass-through dollars. Up to $5,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in Butler County, PA. Provided as a 0% interest deferred / forgivable second mortgage funded through PHFA Housing Trust Fund / HUD HOME pass-through dollars and administered by the Housing Authority of the County of Butler. 资金来自PHFA Housing Trust Fund、HOME、Federal和Local Government。

First Time Homebuyer Down Payment & 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：Forgiven pro-rata over a 5-year affordability period和balance due if buyer sells, refinances with cash-out, transfers title, or ceases primary-residence status during the affordability 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 Homebuyer Down Payment & 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 homebuyer (no ownership of principal residence in prior 3 years). 关于信用，该项目说明：Underwriting follows first-mortgage product; no published HACB credit floor。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Butler County (commonly NeighborWorks Western PA or NWP Bridgehouse); pre-purchase 8-hour education certificate required.提供。 居住要求：Property must be located within Butler County, PA and occupied as 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 prior 3 years), purchase a primary residence in Butler County, complete HUD-approved homebuyer education, and contribute a minimum of $1,000 from their own funds. Household income may not exceed 80% HUD AMI for the Pittsburgh MSA / Butler County: 1-person ~$56,700 up to 8-person ~$106,900. Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

First Time Homebuyer Down Payment & Closing Cost Assistance 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% Pittsburgh MSA AMI for Butler County: 1-person ~$56,700; 4-person ~$80,950; 8-person ~$106,900. 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 Homebuyer Down Payment & Closing Cost Assistance Program的房价上限如下：Tracks HUD HOME 95% area median purchase price for Butler 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 Homebuyer Down Payment & Closing Cost Assistance Program服务于在Butler县，Pennsylvania购房的购房者。

First Time Homebuyer Down Payment & Closing Cost Assistance 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 PHFA / HUD HOME 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。