Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance是面向Union县，Pennsylvania购房者的可免除贷款，由Union County Planning Department (Union County Commissioners)管理。 The Union County Affordable Housing Fund (UCAHF), established in 1997, encourages affordable homeownership by offering 0%-interest, no-payment forgivable 2nd mortgages (capped at $35,000) and 3rd mortgages (capped at $10,000) to qualified low-to-moderate-income first-time homebuyers purchasing within Union County. Loans are forgiven at 10% of original principal per year over 10 years and are repaid only if the home is sold or refinanced before forgiveness completes. 0% interest. No monthly payments. Forgiven 10%/year over 10 years. Up to $35,000 (2nd) plus $10,000 (3rd). Funds may also cover lender-required repairs. 资金来自Union County Affordable Housing Fund (county-established 1997; locally funded)。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance提供最高$35,000的援助。 援助档次：Two funding layers: (1) 2nd mortgage capped at $35,000; (2) 3rd mortgage capped at $10,000. Combined assistance also constrained to ~10% of purchase price; verify current cap with Planning Dept. 购房者自付部分：Applicant must contribute at least 3% of the purchase price from other sources (per county summary). 该项目可与Layered with primary lender mortgage and other DPA/first-mortgage products (e.g., PHFA, Union-Snyder CAA).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Union County Planning Department (Union County Commissioners)决定。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance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：Repayment required only if the property is sold or refinanced before the loan is fully forgiven; forgiven 10% of original principal per year over 10 years. 该援助以Second and/or third mortgage (subordinate to primary lender).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。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance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 defined as not having owned a home in the past three years (per program materials). 居住要求：Home must be located within Union County, PA. Verified on official Union County Planning Google Site and county affordable-housing page. Forgivable 2nd ($35k cap) + 3rd ($10k cap), 0% interest, no payments, 10%/yr forgiveness over 10 years, repay on sale/refi; home in Union County; 3% borrower contribution and FTHB (no ownership in past 3 yrs). GAPS: full HUD income-limit table by household size, max purchase price, min credit score, DTI, homebuyer-education requirement, participating-lender list not published — confirm via the application and Planning Dept (570-524-3825). A third-party source cited different caps; treat the county site as source of truth.

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance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。 Income-limited to low-to-moderate income; county-reported figures: 2-person household up to ~$82,880; 4-person household up to ~$103,600 (figures vary by HUD year). Full household-size table not published on the official page — confirm current HUD income limits in the application. 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。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance的房价上限如下：Combined assistance capped at 10% of purchase price per county summary; specific maximum purchase price not published. 符合条件的房屋类型包括Single Family。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance服务于在Union县，Pennsylvania购房的购房者。

Union County Affordable Housing Fund (UCAHF) First-Time Homebuyer Assistance的申请通过Union County Planning Department (Union County Commissioners)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Preliminary program application reviewed by Union County Planning; funding subject to availability.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。