Affordable Homeownership Program

Affordable Homeownership Program是面向Bristol|Johnson City|Kingsport，Tennessee购房者的可免除贷款。 NE TN/VA HOME Consortium-administered HUD HOME-funded forgivable second mortgage for FTHBs in the seven-county Tri-Cities region. Up to $15,000 at 0% interest, deferred, forgiven over 5 years. 80% AMI ceiling, $209K-$261K max purchase. Administered through ETHRA and city HCDs (Kingsport, Johnson City, Bristol). The Northeast Tennessee/Virginia HOME Consortium Affordable Homeownership Program provides HUD HOME-funded forgivable second-mortgage assistance to eligible first-time homebuyers in the seven-county Tri-Cities region (Tennessee side: Carter, Greene, Hawkins, Johnson, Sullivan, Unicoi, Washington counties, including the cities of Bristol, Johnson City, Kingsport) plus the Virginia side. Eligible buyers receive up to $15,000 toward down payment and closing costs. The loan is 0% interest, deferred, and forgivable over a 5-year HUD HOME affordability period (1/5 per year of owner-occupancy). Administered through East Tennessee Human Resource Agency (ETHRA) and city HCD departments in Kingsport, Johnson City, and Bristol on behalf of the Consortium. 资金来自Federal、HOME和Consortium。

Affordable Homeownership 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：Forgiven over 5-year HOME affordability period (1/5 per year of owner-occupancy). Unforgiven balance due on sale/refi/transfer/non-occupancy before period end, limited to net proceeds. 该援助以2nd 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。

Affordable Homeownership 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：Standard HUD HOME exceptions. 关于信用，该项目说明：620 typical minimum FICO. 须参加购房者教育课程，由HUD-approved housing counseling agency required (certificate before closing). Local providers include ETHRA, NETWORKS Sullivan Partnership, and HUD-approved counseling agencies in Tri-Cities.提供。 居住要求：Property within Northeast TN/VA HOME Consortium boundaries; primary residence; 5-year affordability period. 公民身份或移民身份：Per HUD HOME federal eligibility. First-time homebuyer required. Household income at or below 80% AMI per HUD HOME limits for Tri-Cities MSA (2025: $39,500 (1p) to $75,350 (8p)). Property must be located within the Northeast TN/VA HOME Consortium boundaries (Carter, Greene, Hawkins, Johnson, Sullivan, Unicoi, Washington counties on the TN side; Bristol VA / Washington VA on the VA side). Max purchase price $209,000 (existing) / $261,000 (new construction) per HUD HOME 95% area median for Tri-Cities. HUD-approved housing counseling required. Minimum $500 borrower contribution. Property must pass HQS / NSPIRE; pre-1978 housing subject to Lead Safe Housing Rule. 5-year HOME affordability period.

Affordable Homeownership 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 at or below 80% AMI per HUD HOME for Tri-Cities (Kingsport-Bristol-Bristol) MSA. 2025 limits: $39,500 (1p) to $75,350 (8p) (verify current schedule). 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。

Affordable Homeownership Program将房价上限设为$261,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation. 新建房屋符合条件。 预制房屋符合条件。

Affordable Homeownership Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Affordable Homeownership Program服务于在Bristol|Johnson City|Kingsport，Tennessee购房的购房者。

Affordable Homeownership Program的申请通过管理该项目的机构办理。 资金通过Apply through ETHRA or participating city HCD (Kingsport / Johnson City / Bristol); subject to annual HOME allocation.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。