First-Time Homebuyer Program

First-Time Homebuyer Program是面向Clarksville，Tennessee购房者的可免除贷款。 Clarksville NCS HUD HOME-funded forgivable second mortgage for FTHBs purchasing within Clarksville city limits. Up to $10,000 at 0% interest, deferred, forgiven over 5 years. 80% AMI ceiling, $271K-$282K max purchase, $500 buyer contribution. City of Clarksville Neighborhood and Community Services (NCS) First-Time Homebuyer Program is a HUD HOME / CDBG-funded forgivable second mortgage. Eligible Clarksville buyers receive up to $10,000 toward down payment and closing costs to purchase a primary residence within Clarksville city limits. The loan is 0% interest, deferred (no monthly payments), and forgivable over a 5-year HUD HOME affordability period. Funds may be applied to down payment, closing costs, and first-mortgage rate buy-down at closing. 资金来自Federal、HOME和City。

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：Forgiven over 5-year HUD 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。

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：Standard HUD HOME exceptions (displaced homemakers, single parents, manufactured homes without permanent foundations). 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 Tennessee Valley Coalition for the Homeless, Habitat for Humanity Montgomery County NCS-affiliated counseling. Online via eHome America accepted.提供。 居住要求：Property within Clarksville city limits; primary residence; 5-year affordability period. 公民身份或移民身份：Per HUD HOME federal eligibility. First-time homebuyer required (no homeownership in past 3 years; standard HOME exceptions). Household income at or below 80% AMI per HUD HOME limits for Clarksville-Hopkinsville MSA (2025: $33,720 (1p) to $84,750 (8p)). Max purchase price $271,000 (existing) / $282,000 (new construction) per HUD HOME 95% area median for Clarksville. Property must be within Clarksville city limits and used as borrower's primary residence. 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 HUD HOME affordability period.

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。 Household income at or below 80% AMI per HUD HOME for Clarksville-Hopkinsville MSA. 2025 limits: $33,720 (1p), $38,560 (2p), $43,360 (3p), $48,160 (4p), $52,000 (5p), $55,840 (6p), $59,680 (7p), $84,750 (8p) (verify current schedule with NCS). 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。

First-Time Homebuyer Program将房价上限设为$282,000。 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 per HOME / first-mortgage rules. 新建房屋符合条件。 预制房屋符合条件。

First-Time Homebuyer 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。

First-Time Homebuyer Program服务于在Clarksville，Tennessee购房的购房者。

First-Time Homebuyer Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply through Clarksville NCS intake; subject to annual HOME / CDBG 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。