First Time Homebuyer program

First Time Homebuyer program是面向Abilene，Texas购房者的可免除贷款。 Abilene FTHB DPA up to $7,500 forgivable second mortgage at 0% with 5-year forgiveness; 80% AMI Taylor County; HOME-funded. City of Abilene's First Time Homebuyer program provides up to $7,500 in down payment and closing cost assistance to qualifying first-time homebuyers within Abilene city limits. Structured as a deferred 0% forgivable second mortgage with 5-year forgiveness. Funds may be applied to down payment, closing costs, prepaids. HUD HOME-funded. 资金来自Local和HOME。

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：20% per year forgiveness over 5 years和pro-rata recapture if sold, refinanced, or non-occupied during term. 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：FTHB requirement waived for displaced homemakers per HUD definitions. 关于信用，该项目说明：620 minimum FICO; lender overlay may apply. 须参加购房者教育课程，由HUD-approved 8-hour homebuyer education required; local provider Big Country Community Action Agency.提供。 居住要求：Property within Abilene city limits; primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per HOME. First-time homebuyer (no homeownership in past 3 years). Property within Abilene city limits. Income at or below 80% AMI Abilene MSA ($45,100-$85,000). HUD-approved 8-hour homebuyer education. $500 borrower investment. Owner-occupancy required for full 5-year forgiveness term. HOME affordability period applies. Property must pass HQS inspection.

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。 Income limits at 80% AMI Abilene MSA by HH size: $45,100 (1) to $85,000 (8). Updated annually. 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的房价上限如下：Per HUD HOME 95% area median Abilene MSA; verify current schedule. 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD和1-unit only. 新建房屋符合条件。 预制房屋不符合条件。

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Abilene，Texas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 directly to City of Abilene Neighborhood Services; awards subject to fund availability.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。