Home Ownership Initiative (Beaver County First Time Buyer Program)

Home Ownership Initiative (Beaver County First Time Buyer Program)是面向Beaver; Lawrence县，Pennsylvania购房者的可免除贷款，由Housing Opportunities, Inc. (HOBC)管理。 Housing Opportunities, Inc.'s Home Ownership Initiative provides forgivable down payment/closing-cost grants to first-time buyers in Beaver County (and Lawrence County for location-based eligibility): a $3,000 Income-Based Grant and/or a $2,000 Location-Based Grant for purchases in designated HUD QCTs. Grants forgive 20%/yr and are fully forgiven after 5 years. $3,000 income-based + $2,000 location-based forgivable grants (up to $5,000). forgiven over 5 years. free counseling.

Home Ownership Initiative (Beaver County First Time Buyer Program)提供$2,000至$5,000的援助。 援助档次：Income-Based Grant: $3,000 for income-eligible buyers. Location-Based Grant: $2,000 for purchases in designated HUD Qualified Census Tracts (QCTs) in Beaver/Lawrence County. May receive both (up to $5,000). 金额是该项目公布的上限，并非报价——具体每人的援助金额由Housing Opportunities, Inc. (HOBC)决定。

Home Ownership Initiative (Beaver County First Time 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：If sold before the 5-year anniversary, remaining (unforgiven, pro-rata) grant is repaid. 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。

Home Ownership Initiative (Beaver County First Time 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Housing Opportunities, Inc. (HUD-approved counseling agency)提供。 居住要求：Purchasing first home in Beaver County (Location-Based QCTs also in Lawrence County)。 Buyer must have less than $5,000 in liquid assets at closing; meet income limits at closing (income-based) or purchase in a designated QCT (location-based).

Home Ownership Initiative (Beaver County First Time 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-Based Grant requires household income at or below 80% AMI by size (4-person $67,850 per HOBC chart). Location-Based Grant qualifies by property in a designated HUD QCT instead of income. 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。

Home Ownership Initiative (Beaver County First Time Buyer Program)可用于Single Family。

Home Ownership Initiative (Beaver County First Time Buyer Program)服务于在Beaver; Lawrence县，Pennsylvania购房的购房者。 该项目针对特定区域：Location-Based Grant ($2,000) targets HUD-designated QCTs in Beaver and Lawrence Counties (designated annually by HUD).

Home Ownership Initiative (Beaver County First Time Buyer Program)的申请通过Housing Opportunities, Inc. (HOBC)办理，该机构在其网站上公布现行条款和申请步骤。 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。