Washington County Homebuyer Assistance Program

Washington County Homebuyer Assistance Program是面向Washington县，Pennsylvania购房者的延期第二贷款，由Redevelopment Authority of the County of Washington (RACW)管理。 RACW's Homebuyer Assistance Program helps low- and moderate-income first-time buyers purchase (and rehabilitate) single-family homes in Washington County via two 0% deferred loans: a down payment loan of 17%-26% of price plus closing costs, and a rehabilitation loan up to $24,500 forgivable over 10 years. 0% deferred DPA of 17%-26% of price + closing costs. up to $24,500 rehab financing (forgiven over 10 yrs). first-come first-served. 资金来自HUD HOME and CDBG funds allocated to Washington County。

Washington County Homebuyer Assistance Program按项目规定，提供相当于房价26%的援助。 援助档次：Down payment assistance (0% deferred loan): low-income 26% of purchase price + closing costs (17% if funding limited); moderate-income 17% of price + closing costs. Separate rehabilitation loan up to $24,500, forgiven 10%/yr over 10 years. 该项目要求购房者自付3% of the purchase price (cash) from buyer。 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Redevelopment Authority of the County of Washington (RACW)决定。

Washington County Homebuyer Assistance 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：DPA loan due/payable on payoff of first mortgage, refinance, sale/disposition, or when property ceases to be principal residence; HOME recapture applies during the 5/10/15-year affordability period. 该援助以Subordinate (second/junior mortgage)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。

Washington County Homebuyer Assistance 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：Displaced homemakers are exempt from the 3-year no-ownership requirement. 须参加购房者教育课程，由HUD-approved homebuyer pre-purchase counseling class提供。 居住要求：Home must be in Washington County and occupied as principal residence。 Pre-applications by mail only; waiting list. Low-income buyers obtain 71% first mortgage; moderate-income 80%. 6-month income eligibility window. Max assistance caps not published on source.

Washington County Homebuyer Assistance 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。 Household income must not exceed 80% of the Pittsburgh MSA median family income (HUD), adjusted for family size, throughout a 6-month eligibility window. Moderate (80% AMI) 4-person $88,300; low (50% AMI) 4-person $55,200. Limits subject to change. 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。

Washington County Homebuyer Assistance Program可用于Single Family。 新建房屋不符合条件。

Washington County Homebuyer Assistance Program服务于在Washington县，Pennsylvania购房的购房者。

Washington County Homebuyer Assistance Program的申请通过Redevelopment Authority of the County of Washington (RACW)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Pre-applications accepted by mail only; reviewed first-come first-served as funding permits; waiting list.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。