Northampton County First-Time Homebuyer Program

Northampton County First-Time Homebuyer Program是面向Northampton县，Pennsylvania购房者的可免除贷款，由Northampton County Department of Community & Economic Development管理。 Provides income-eligible first-time buyers up to $10,000 toward purchase and closing costs as a zero-interest subordinated mortgage, forgiven 20%/year and fully forgiven after five years of owner-occupancy. Buyers use a partner lender, complete HUD counseling, and earn no more than 80% of Lehigh Valley AMI. Up to $10,000 forgivable subordinate loan. Zero interest, no monthly payments. 20% forgiven per year, fully forgiven after 5 years. Pairs with HOOP and First Front Door. Up to 4 units eligible. 资金来自Northampton County Affordable Housing Program。

Northampton County First-Time Homebuyer Program提供最高$10,000的援助。 购房者自付部分：Minimum 1.5% of purchase price from own assets (in deposit account 3+ months or cash on hand); at settlement liquid assets may not exceed 3% of purchase price. 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Northampton County Department of Community & Economic Development决定。

Northampton County First-Time 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：20% forgiven per year; fully forgiven after 5 years. Unforgiven balance repaid if sold or transferred within 5 years. 该援助以Second (subordinate to fixed-rate first mortgages only)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。

Northampton County First-Time 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 OR has not owned a home for at least three years. 须参加购房者教育课程，由Half-day HUD homebuyer education. Approved: Community Action Lehigh Valley (610-691-5620), Neighborhood Housing Services (610-372-8433).提供。 居住要求：Home purchased must be in Northampton County. Apply through a county partner lender (not open to all lenders). All-household-member income counts; FY2024 HUD limits in current handbook (verify annual update). Loan cap raised $5,000->$10,000 in 2023. Verified via official 2024 program brochure/handbook PDF; no published min credit score or DTI.

Northampton County First-Time 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。 FY2024 HUD limits (all household members): 1 $55,100; 2 $62,950; 3 $70,800; 4 $78,650; 5 $84,950; 6 $91,250; 7 $97,550; 8 $103,850. 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。

Northampton County First-Time Homebuyer Program的房价上限如下：No fixed cap; assistance limited to gap between lender commitment and borrower ability, up to $10,000. 符合条件的房屋类型包括Single Family和2-4 Unit。

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

Northampton County First-Time Homebuyer Program的申请通过Northampton County Department of Community & Economic 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Accepted year-round through partner lender; lender submits to NCDCED at least 14 days before closing.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。