Lackawanna County Homebuyer Program

Lackawanna County Homebuyer Program是面向Lackawanna县，Pennsylvania购房者的延期第二贷款。 The Lackawanna County Homebuyer Program is administered by NeighborWorks Northeastern Pennsylvania on behalf of Lackawanna County's HUD HOME and CDBG entitlement allocations. It provides up to $10,000 in down-payment and closing-cost assistance to first-time homebuyers purchasing primary residences in Lackawanna County, PA outside the City of Scranton. Assistance is a 0% interest deferred / forgivable second mortgage with a 5-year affordability period. Up to $10,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing a primary residence in Lackawanna County (excluding the City of Scranton, which has its own program). Provided as a 0% interest deferred / forgivable second mortgage funded through Lackawanna County HUD HOME / CDBG pass-through dollars and administered by Neighborworks Northeastern PA. Forgiven over a 5-year affordability period. 资金来自HOME、CDBG、Federal和Local Government。

Lackawanna County 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。

Lackawanna County 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; Neighborworks NEPA counsels borrowers with credit scores in the 600s。 须参加购房者教育课程，由Neighborworks Northeastern PA (HUD-approved housing counseling agency) - pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be located within Lackawanna County, PA (outside Scranton city limits) and occupied as the buyer's 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 / CDBG rules。 Buyer must be a first-time homebuyer (no ownership of principal residence in prior 3 years), purchase a primary residence in Lackawanna County (outside Scranton city limits), and complete Neighborworks NEPA pre-purchase counseling. Household income between approximately $17,600 (very-low / extremely-low set-asides) and $88,400 (8-person at 80% Scranton-Wilkes-Barre MSA AMI). Property must pass HUD HQS / lead-based paint inspection. 5-year affordability period applies; lien forgiven pro-rata.

Lackawanna County Homebuyer 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。 Household income approximately $17,600 (extremely-low / very-low set-asides) up to $88,400 (8-person at 80% 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。

Lackawanna County Homebuyer Program的房价上限如下：Tracks HUD HOME 95% area median purchase price for Lackawanna County。 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。

Lackawanna County Homebuyer Program服务于在Lackawanna县，Pennsylvania购房的购房者。

Lackawanna County 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 Lackawanna County annual HUD HOME / CDBG allocation; applications submitted through Neighborworks NEPA.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。