NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan是面向Pennsylvania的23个县购房者的第二抵押贷款，由NeighborWorks Western Pennsylvania管理。 A fixed-rate second-mortgage down payment and closing-cost assistance loan for eligible first-time homebuyers across 23 Western Pennsylvania counties. Requires a Conventional or FHA first mortgage from an approved lending partner, a 620+ credit score, owner-occupancy, and 8 hours of HUD-approved education plus counseling. Income limit 105% of AMI (waived in LMI census tracts); borrowers can bring as little as $1,500 of their own funds. Low borrower cash (as little as $1,500). Income eligibility waived in LMI census tracts. Covers down payment and closing costs via a fixed-rate second mortgage. 资金来自NeighborWorks Western Pennsylvania lending capital。

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan是第二抵押贷款，按NeighborWorks Western Pennsylvania设定的条款偿还。 触发还款的情形：Repayable second mortgage — amortizing fixed-rate loan; standard repayment. 该援助以Second (subordinate to first mortgage); must meet program CLTV guidelines.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。

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan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：HUD first-time homebuyer definition (3-year rule with standard exceptions). 关于信用，该项目说明：Minimum credit score 620. 须参加购房者教育课程，由8 hours HUD-approved homebuyer education (online via eHome America) plus a 1-hour budget/loan review with a NeighborWorks WPA counselor before closing; post-purchase counseling at 6 months and annually for 7 years.提供。 8 hours HUD education + 1-hour counseling pre-closing; post-purchase counseling 6 months and annually for 7 years; 620 min credit; first mortgage from an approved lending partner. Serves 23 western PA counties. Verified via NeighborWorks WPA eligibility/requirements pages and HUD income-limits PDF; interest rate and amount range not published on site (left blank).

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan将家庭收入限制在地区收入中位数的105%，该数值因县和家庭人数而异。 105% of AMI. Pittsburgh HUD Metro (2022) at 105%: 1 $69,700 ... 4 $99,550 ... 8 $131,450. For the 17 counties outside the Pittsburgh Metro, 105% of that county's AMI applies. Income eligibility WAIVED for purchases in a Low/Moderate-Income census tract (FFIEC). 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。

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan可用于Single Family。

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan服务于在Pennsylvania的23个县购房的购房者。 服务的县：Allegheny、Armstrong、Beaver、Butler、Clarion、Clearfield、Crawford、Elk、Erie、Fayette、Forest、Greene、Huntingdon、Indiana、Jefferson、Lawrence、McKean、Mercer、Somerset、Venango、Washington、Warren和Westmoreland。

NeighborWorks Western Pennsylvania Down Payment & Closing Cost Assistance Loan的申请通过NeighborWorks Western Pennsylvania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Borrower obtains a first mortgage from an approved lending partner; NeighborWorks WPA underwrites/originates the second mortgage.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。