Montgomery County First-Time Homebuyers Program

Montgomery County First-Time Homebuyers Program是面向Montgomery县，Pennsylvania购房者的延期第二贷款，由Montgomery County Office of Housing & Community Development管理。 Helps low-, moderate-, and median-income households buy in Montgomery County with up to $10,000 (10% of affordable sales price) as a zero-interest deferred loan. Repayment triggered only if sold, transferred, vacated within 15 years, or used as investment property. Requires one-on-one counseling, county residency/employment, and a 3% buyer contribution. Up to $10,000 (10% of sales price). Zero-interest deferred loan. No monthly payment. Released after 15 years of owner-occupancy. Counseling included. 资金来自Montgomery County Affordable Housing Trust Fund。

Montgomery County First-Time Homebuyers Program提供最高$10,000的援助。 该项目要求购房者自付3% of sales price from applicant's own liquid assets; minimum $3,000 liquid assets; two months PITI reserve; home warranty required. 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Montgomery County Office of Housing & Community Development决定。

Montgomery County First-Time Homebuyers Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Repayment due if home is sold, conveyed, transferred, vacated or abandoned as primary residence within 15 years, or used as investment property. 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。

Montgomery County First-Time Homebuyers 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 OR has not owned a home within the previous three years. 须参加购房者教育课程，由County-referred one-on-one housing counseling, completed before any agreement of sale.提供。 居住要求：Applicant must reside and/or be employed full-time in Montgomery County at application and closing. County residency/employment required. $25 non-refundable fee. Income cannot exceed listed Median Income tier. Verified via official county page (updated June 2, 2026) and 2026 brochure PDF; no published min credit score, max DTI, or purchase-price cap.

Montgomery County First-Time Homebuyers Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 2026 limits (household income cannot exceed Median Income): 1-person $85,900; 2 $98,200; 3 $110,500; 4+ $122,700. (80% AMI 4-person reference $98,150.). 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。

Montgomery County First-Time Homebuyers Program的房价上限如下：No fixed cap; sales price may not exceed the Program's affordability determination for the household. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

Montgomery County First-Time Homebuyers Program服务于在Montgomery县，Pennsylvania购房的购房者。

Montgomery County First-Time Homebuyers Program的申请通过Montgomery County Office of Housing & Community Development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; income- and loan-eligible before agreement of sale. $25 non-refundable application fee.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。