Upper Darby Township First Time Homebuyer Program

Upper Darby Township First Time Homebuyer Program是面向Upper Darby，Pennsylvania购房者的可免除贷款，由Upper Darby Township Department of Community & Economic Development (counseling/intake via Media Fellowship House)管理。 Upper Darby Township's First Time Homebuyer Program provides up to $20,000 in down payment and/or closing cost assistance to low- and moderate-income first-time buyers purchasing a single-family principal residence within the Township. Assistance is a 0% interest forgiveness loan secured by a second mortgage, with 20% forgiven each year and full forgiveness after 5 years. The program is funded with federal CDBG and HOME funds and requires homebuyer counseling, a $1,000 minimum buyer contribution, and a 620+ credit score. Up to $20,000 in DPA/closing cost help. 0% interest, no monthly payments. Fully forgiven after 5 years (20%/year). Gift and seller funds allowed toward minimum contribution. New construction eligible. 资金来自Federal CDBG and HOME Investment Partnerships Program funds。

Upper Darby Township First Time Homebuyer Program提供最高$20,000的援助。 购房者自付部分：Buyer must contribute a minimum of $1,000 of their own funds. Seller contributions and gift funds may be applied toward the minimum. 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Upper Darby Township Department of Community & Economic Development (counseling/intake via Media Fellowship House)决定。

Upper Darby Township 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：Sale or transfer of the property, change in owner-occupancy status, default of first mortgage, or delinquency of any taxes/obligations owed during the 5-year period of affordability (pro-rated repayment). 该援助以Second mortgage (subordinate only to the 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。

Upper Darby Township 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：Households that owned a home within the past 3 years may qualify if they meet HUD's definition of a displaced homemaker or single parent. 该项目列出的最低信用分数为620。 须参加购房者教育课程，由Minimum 8 hours of pre-purchase homeownership education/counseling by a Program/HUD-approved agency, within 12 months prior to purchase (e.g., Media Fellowship House).提供。 公民身份或移民身份：U.S. citizen or permanent resident alien with a minimum of 5 years continual residency. LOAN TERM / period of affordability is 5 years (or the term of a HUD-insured first mortgage if FHA-financed). First mortgage must be fixed-rate; ARM/balloon/interest-only loans prohibited. Full application due at least 3 weeks before settlement. GAP: program does not publish an annual funding cap.

Upper Darby Township 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。 FY2025 limits (gross income of all deed holders and residents): 1 person $66,850; 2 $76,400; 3 $85,950; 4 $95,500; 5 $103,150; 6 $110,800; 7 $118,450; 8 $126,100. Uses HUD Part 5 (24 CFR 5.609) annual income definition; 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。

Upper Darby Township First Time Homebuyer Program将房价上限设为$304,000。 符合条件的房屋类型包括Single Family、Row home和Twin。 新建房屋符合条件。 预制房屋不符合条件。

Upper Darby Township First Time Homebuyer Program服务于在Upper Darby，Pennsylvania购房的购房者。

Upper Darby Township First Time Homebuyer Program的申请通过Upper Darby Township Department of Community & Economic Development (counseling/intake via Media Fellowship House)办理，该机构在其网站上公布现行条款和申请步骤。 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。