Homebuyer Assistance Program

Homebuyer Assistance Program是面向Washington县，Pennsylvania购房者的可免除贷款。 RACW Washington County HOME-funded DPA. Up to $7,500 0% forgivable soft second forgiven at 5 years. Washington County PA (excluding Washington and Monongahela cities), FTHB, 80% AMI, mandatory counseling. Redevelopment Authority of Washington County (RACW) Homebuyer Assistance Program provides HUD HOME-funded soft second mortgage assistance up to $7,500 for first-time homebuyers in Washington County PA. The DPA is a 0% interest deferred forgivable second mortgage forgiven at 5 years per HUD HOME affordability rules. Funds may be used for down payment, closing costs, and/or principal reduction. Pairs with FHA, VA, USDA, or Conventional first mortgage. Income range $56,700-$106,000 reflects Washington County 80% AMI for household sizes 1-8. 资金来自Federal和HOME。

Homebuyer 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：5-year HUD HOME affordability period. If property is sold/refi/transferred or borrower vacates within 5 years, unforgiven balance due in full. Forgiven at 5 years of continuous owner-occupancy. 该援助以2nd Lien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。

Homebuyer 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 required (no ownership in past 3 years), with HUD HOME exceptions for displaced homemakers and single parents. 关于信用，该项目说明：Per first-mortgage product (typically 620-640 minimum). 须参加购房者教育课程，由RACW-approved pre-purchase homebuyer counseling (HUD-approved agencies including NeighborWorks Western Pennsylvania).提供。 居住要求：Property must be located in Washington County PA (excluding cities of Washington and Monongahela) and used as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product and HUD HOME rules. Property must be located in Washington County PA, excluding the cities of Washington and Monongahela (which administer their own CDBG/HOME homebuyer programs). First-time homebuyer required (no ownership in past 3 years). Income at or below 80% AMI for Washington County (range $56,700 1-person 80% AMI to $106,000 8-person 80% AMI). Borrower must complete pre-purchase homebuyer counseling. Property must be borrower's primary residence. Soft second forgiven at 5 years of continuous owner-occupancy per HUD HOME rules.

Homebuyer 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。 Income range $56,700-$106,000 reflects Washington County 80% AMI for household sizes 1-8. 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。

Homebuyer Assistance Program的房价上限如下：Per HUD HOME 95% area median sales price for Washington County and first-mortgage product loan limits. 符合条件的房屋类型包括1- to 2-unit owner-occupied primary residence (single-family detached, duplex, condominium, townhouse). 新建房屋符合条件。 预制房屋不符合条件。

Homebuyer Assistance Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Homebuyer Assistance Program服务于在Washington县，Pennsylvania购房的购房者。

Homebuyer 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Apply directly to RACW. Funds reserved on first-come, first-served basis subject to 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。