First Time Homebuyer program

First Time Homebuyer program是面向Scranton，Pennsylvania购房者的延期第二贷款。 The City of Scranton First Time Homebuyer program is administered by the City's Office of Economic and Community Investment (OECI) using HUD HOME / ARPA pass-through funds. The program provides up to $20,000 as a 0% interest deferred / forgivable second mortgage to first-time homebuyers purchasing primary residences within Scranton city limits. Income range covers extremely-low through moderate / 120% AMI tiers depending on funding source within the City's HUD layered-funding model. Up to $20,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in the City of Scranton. Provided as a 0% interest deferred / forgivable second mortgage funded through City of Scranton ARPA / HUD HOME funds and administered by the City of Scranton Office of Economic and Community Investment. 资金来自HOME、ARPA、Federal和Local Government。

First Time Homebuyer 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 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 OECI credit floor。 须参加购房者教育课程，由HUD-approved housing counseling agencies (commonly Neighborworks NEPA); pre-purchase 8-hour homebuyer education certificate required.提供。 居住要求：Property must be located within Scranton city limits and occupied as 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 / ARPA rules。 Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence in the City of Scranton, and complete pre-purchase homebuyer education. Household income between approximately $20,775 (extremely-low set-asides) and $139,890 (8-person at 120% AMI). Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

First Time Homebuyer program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 $20,775 (very-low / extremely-low set-asides) up to $139,890 (8-person at 120% Scranton-Wilkes-Barre MSA AMI). 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 program的房价上限如下：Tracks HUD HOME 95% area median purchase price for City of Scranton。 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。

First Time Homebuyer program服务于在Scranton，Pennsylvania购房的购房者。

First Time Homebuyer 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 City of Scranton HUD HOME / ARPA allocation; applications submitted through OECI.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。