FHLBank Atlanta First-time Homebuyer Product (FHP)

FHLBank Atlanta First-time Homebuyer Product (FHP)是面向South Carolina购房者的补助金，由Federal Home Loan Bank of Atlanta管理。 FHLBank Atlanta's First-time Homebuyer Product (FHP) provides up to $17,500 in funds for down payments, closing costs, and principal reduction for first-time homebuyers. The grant is funded by FHLBank Atlanta member financial institutions in Alabama, DC, FL, GA, MD, NC, SC, and VA. Income must be at or below 80% of the county AMI. Funds are available on a first-come, first-served basis through participating member lenders. Up to $17,500 grant (no repayment). Statewide through FHLBank member lenders. First-come first-served per member institution. Stackable with other assistance in most cases. 资金来自FHLBank Atlanta AHP Homeownership Set-aside (2025: $40M pool)。

FHLBank Atlanta First-time Homebuyer Product (FHP)提供最高$17,500的援助。 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Federal Home Loan Bank of Atlanta决定。

FHLBank Atlanta First-time Homebuyer Product (FHP)属于补助金，因此无需偿还。 触发还款的情形：None — outright grant, no repayment required。 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。

FHLBank Atlanta First-time Homebuyer Product (FHP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由HUD-approved or FHLB Atlanta designated homebuyer counseling provider提供。 Must apply through FHLBank Atlanta member financial institution — individual homebuyers cannot apply directly. Funds allocated per member up to $750,000/institution. 2025 program has $40M total statewide pool across multiple states. Income limits use HUD county AMI published annually. Concurrent loan restrictions: confirm with member lender. Distinct from the Community Partners Product (separate program).

FHLBank Atlanta First-time Homebuyer Product (FHP)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 at or below 80% of county area median income (or state median family income, whichever is higher), adjusted for family size, per annual HUD publication. 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。

FHLBank Atlanta First-time Homebuyer Product (FHP)的房价上限如下：Not specified — must be primary residence。 符合条件的房屋类型包括Single Family、Townhouse、Condo和2-4 Unit。 新建房屋不符合条件。 预制房屋不符合条件。

FHLBank Atlanta First-time Homebuyer Product (FHP)服务于在South Carolina任何地方购房的购房者。

FHLBank Atlanta First-time Homebuyer Product (FHP)的申请通过Federal Home Loan Bank of Atlanta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。