First-Time Homebuyer Fund

First-Time Homebuyer Fund是面向Philadelphia，Pennsylvania购房者的补助金。 The Mt. Airy First-Time Homebuyer Fund is a neighborhood-targeted down-payment and closing-cost grant administered by the Mt. Airy Community Development Corporation. The Fund provides up to $10,000 in non-repayable grant assistance to first-time homebuyers purchasing a primary residence in the Mt. Airy neighborhood of Philadelphia. The program is funded by philanthropic contributions, foundation grants, and Philadelphia Housing Trust Fund pass-through dollars and is designed to attract owner-occupant buyers to Mt. Airy and stabilize neighborhood homeownership in a CDC-led revitalization strategy. Mt. Airy CDC layers this grant with the City of Philadelphia's Philly First Home program and PHFA programs to maximize buyer assistance. Up to $10,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in the Mt. Airy neighborhood of Philadelphia (zip codes 19119 / 19150 and adjacent). Provided as a non-repayable grant funded by Mt. Airy CDC philanthropic contributions, foundation grants, and Philadelphia Housing Trust Fund pass-through. Designed to attract owner-occupant buyers to Mt. Airy and stabilize neighborhood homeownership. 资金来自Local Affordable Housing Trust Fund、Philanthropic、Foundation和Local Government。

First-Time Homebuyer Fund属于补助金，因此无需偿还。 触发还款的情形：Non-repayable grant subject to recapture if the buyer fails to occupy as primary residence during the grant retention period (typically 3-5 years). 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 Fund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 Mt. Airy CDC credit floor。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Philadelphia (commonly Mt. Airy CDC's own program or Clarifi); pre-purchase 8-hour education certificate required.提供。 居住要求：Property must be located within the Mt. Airy CDC service area (Mt. Airy neighborhood of Philadelphia, primarily zip codes 19119 / 19150) and occupied as primary residence for the grant retention period. 公民身份或移民身份：U.S. citizen or eligible non-citizen。 Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence within the Mt. Airy CDC service area (Mt. Airy neighborhood of Philadelphia), complete pre-purchase counseling and 8-hour homebuyer education, and remain in the home as primary residence for the grant retention period. Household income approximately $62,500 (1-person, ~80% AMI) up to $110,700 (8-person, ~120% Philadelphia MSA AMI). Property must meet basic habitability standards.

First-Time Homebuyer Fund将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income approximately $62,500 (1-person at ~80% AMI) up to $110,700 (8-person at ~120% Philadelphia-Camden-Wilmington 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。

First-Time Homebuyer Fund的房价上限如下：Tracks Mt. Airy CDC underwriting guidelines and Philadelphia neighborhood comps。 符合条件的房屋类型包括Single-family detached、Townhouse、Rowhouse、Condominium和2-4 unit (owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

First-Time Homebuyer Fund服务于在Philadelphia，Pennsylvania购房的购房者。 该项目针对特定区域：Mt. Airy neighborhood of Philadelphia, PA (zip codes 19119, 19150, and adjacent within the Mt. Airy CDC service area)。

First-Time Homebuyer Fund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 Mt. Airy CDC fundraising and program 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。