York City Homebuyer Assistance Program (HOME)

York City Homebuyer Assistance Program (HOME)是面向York，Pennsylvania购房者的可免除贷款，由City of York Bureau of Housing Services; administered by Tenfold Community Lending管理。 The City of York's Bureau of Housing Services provides down payment and closing-cost assistance to income-eligible first-time homebuyers purchasing a home in York City, funded through HUD HOME dollars (the '3/2 Program') and administered by Tenfold Community Lending. Assistance is a 0% interest, no-monthly-payment second-mortgage loan tiered by sale price (6% up to $10,000 for homes over $60,000). The loan is prorated and forgiven over five years and becomes repayable if the home is sold, transferred, or no longer the buyer's primary residence within that period. 0% interest, no monthly payments. Up to $10,000 (6% of sale price for homes over $60,000). Forgiven over 5 years. Down payment and closing-cost assistance. Homebuyer counseling and education included. 资金来自HUD HOME Investment Partnerships Program funds (City of York)。

York City Homebuyer Assistance Program (HOME)提供最高$10,000的援助。 该项目要求购房者自付1% of purchase price or $1,000, whichever is greater。 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City of York Bureau of Housing Services; administered by Tenfold Community Lending决定。

York City Homebuyer Assistance Program (HOME)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：Prorated loan repayment due upon sale or transfer, or if the borrower ceases to occupy as primary residence within five years (forgiven over the five-year term)。 该援助以Second mortgage lien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。

York City Homebuyer Assistance Program (HOME)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：Not owned a home within the last 3 years; previously jointly-owned home with a former spouse (now divorced) permitted if removed from deed and released。 关于信用，该项目说明：Minimum middle credit score of 620; case-by-case exceptions; no-credit-score buyers need 3 open trade lines with 12-month satisfactory history。 须参加购房者教育课程，由HUD-approved Homebuyer Education Course administered by Tenfold; individual pre-settlement counseling required提供。 公民身份或移民身份：U.S. citizens, permanent resident aliens, or non-permanent resident aliens with a valid SSN eligible to work and meeting a 5-year clearance date from settlement。 HUD-approved homebuyer education and individual counseling required before settlement; Sales Agreement must include an executed YHAP Addendum; cash reserve after closing no more than $7,500 and no less than one month's PITI.

York City Homebuyer Assistance Program (HOME)将家庭收入限制在$84,100。 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。

York City Homebuyer Assistance Program (HOME)将房价上限设为$236,000。 符合条件的房屋类型包括Single Family和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

York City Homebuyer Assistance Program (HOME)服务于在York，Pennsylvania购房的购房者。

York City Homebuyer Assistance Program (HOME)的申请通过City of York Bureau of Housing Services; administered by Tenfold Community Lending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。