Housing Opportunities Home Ownership Initiative (First Time Buyer Program)

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)是面向Beaver, Lawrence县，Pennsylvania购房者的补助金，由Housing Opportunities, Inc.管理。 Housing Opportunities, Inc. administers down payment/closing cost grants for first-time buyers in Beaver and Lawrence Counties. Two grant types: an Income-Based Grant of $3,000 (<=80% AMI) and a Location-Based Grant of $2,000 (homes in Qualified Census Tracts). Grants forgiven 20%/year over five years; free counseling included. Up to $3,000 forgivable assistance. Free homebuyer counseling. Location-based option for revitalization areas. 资金来自Beaver County (and Lawrence County) HOME/CDBG allocations。

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)提供$2,000至$3,000的援助。 援助档次：Income-Based Grant $3,000 (<=80% AMI) and Location-Based Grant $2,000 (home in a Beaver/Lawrence County Qualified Census Tract); qualify under at least one. 购房者自付部分：Beaver County rule: must not have $5,000 or more in liquid assets at closing. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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.决定。

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)属于补助金，因此无需偿还。 触发还款的情形：Forgiven 20% per year over 5 years; remaining balance repaid if sold before the 5-year anniversary. 该援助以Forgivable grant secured by a subordinate lien/note.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。

Housing Opportunities Home Ownership Initiative (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 homebuyer workshop / counseling (HUD-approved agency).提供。 Income-Based Grant requires <=80% AMI; Location-Based Grant requires home in a Beaver/Lawrence County QCT; Beaver County caps liquid assets at <$5,000 at closing. Verified via Housing Opportunities primary site; covers both Beaver County and Lawrence County (New Castle) jurisdictions.

Housing Opportunities Home Ownership Initiative (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 <=80% AMI by household size (per Beaver County reference: 1 $47,500; 2 $54,300; 3 $61,100; 4 $67,850; 5 $73,300; 6 $78,750). Location-Based Grant has no income test but home must be in a HUD Qualified Census Tract. 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。

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)可用于Single Family。

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)服务于在Beaver, Lawrence县，Pennsylvania购房的购房者。

Housing Opportunities Home Ownership Initiative (First Time Buyer Program)的申请通过Housing Opportunities, Inc.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Initial consultation with Housing Opportunities; assistance as funds available.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。