Keystone Forgivable in Ten Years Loan Program (K-FIT)

Keystone Forgivable in Ten Years Loan Program (K-FIT)是面向Statewide，Pennsylvania购房者的可免除贷款，由Pennsylvania Housing Finance Agency管理。 The Keystone Forgivable in Ten Years Loan Program (K-FIT) is a second mortgage that provides downpayment and/or closing cost assistance equal to 5% of the lesser of the purchase price or appraised value, with no maximum dollar limit. The loan is forgiven at 10% per year over ten years, so no repayment is owed if the homeowner stays through the forgiveness period. It is paired with the Keystone Home Loan (and Keystone Flex) and may be used with conventional, FHA, VA, or RD financing. 5% of price or appraised value (no maximum dollar cap). 0% interest, fully forgivable. Forgiven 10% per year over 10 years. No repayment if forgiveness period completed. Statewide availability.

Keystone Forgivable in Ten Years Loan Program (K-FIT)按项目规定，提供相当于房价5%的援助。 该项目可与Access Home Modification Loan Program结合使用。 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Pennsylvania Housing Finance Agency决定。

Keystone Forgivable in Ten Years Loan Program (K-FIT)在10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 on an annual basis over ten years at a rate of 10% per year; no repayment if forgiveness period is completed. 该援助以Second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。

Keystone Forgivable in Ten Years Loan Program (K-FIT)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：All borrowers must have a minimum credit score of 660. 须参加购房者教育课程，由PHFA-approved counseling agencies; online education via PHFA or Framework HomeView. Face-to-face required for FICO below 680 and for borrowers obtaining the K-FIT loan.提供。 Minimum loan amount $500. Liquid assets may not exceed $50,000 after deducting funds needed to close. Assistance limited to minimum required downpayment and/or closing costs.

Keystone Forgivable in Ten Years Loan Program (K-FIT)的收入限制如下：Borrowers must meet the Keystone Home Loan program income limits, published as county-by-county tables in Appendix A (maximum household income). 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Keystone Forgivable in Ten Years Loan Program (K-FIT)可用于Single Family、2-4 Unit、Condo和Manufactured。 预制房屋符合条件。

Keystone Forgivable in Ten Years Loan Program (K-FIT)服务于在Statewide，Pennsylvania购房的购房者。

Keystone Forgivable in Ten Years Loan Program (K-FIT)的申请通过Pennsylvania Housing Finance Agency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。