First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG

First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG是面向Plano，Texas购房者的可免除贷款。 City of Plano FTHB CDBG-tier: up to $10,000 forgivable second mortgage at 0% interest for first-time homebuyers in Plano city limits. 5-year affordability period. 80% AMI ceiling. Max purchase $418,000. 620 FICO (govt) / 700 FICO (conv). City of Plano's First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG tier provides up to $10,000 in down payment and closing cost assistance to first-time homebuyers purchasing primary residences within Plano city limits. CDBG-funded. Structured as a 0% interest deferred forgivable second mortgage with 5-year affordability period (prorata forgiveness). Pairs with FHA, VA, USDA, or conventional 30-year fixed first mortgage. 80% AMI ceiling. Maximum purchase price $418,000. 资金来自Federal。

First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG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：Deferred 0% second mortgage forgiven prorata over 5 years (20% per year). If property is sold, refinanced (cash-out), transferred, or vacated as primary residence before 5-year anniversary, unforgiven balance becomes due in full. 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 Homebuyers Assistance and Educational Program (FTHB) - CDBG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：First-time homebuyer required (no ownership in past 3 years). Veteran exception per HUD rule. 关于信用，该项目说明：620 minimum FICO for FHA/VA/USDA government loans; 700 minimum FICO for conventional loans. 须参加购房者教育课程，由HUD-approved 8-hour homebuyer education required. Local providers include Frameworks CDC, TSAHC network, and other HUD-approved counseling agencies in Collin County and DFW MSA.提供。 居住要求：Property must be located in the City of Plano city limits and occupied as primary residence throughout 5-year affordability period. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Property must be located in the City of Plano city limits. First-time homebuyer required (no ownership in past 3 years; veteran exception). Household income at or below 80% AMI for Dallas-Fort Worth-Arlington MSA. Mandatory 8-hour HUD-approved homebuyer education class. Minimum $1,000 borrower contribution. 620 FICO (govt loans) / 700 FICO (conventional) minimum. Property must be a single-family detached, condominium, or townhouse used as primary residence. 30-year fixed-rate first mortgage required.

First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG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。 80% AMI for Dallas-Fort Worth-Arlington MSA per HUD; 1-person $61,800 / 4-person $88,300 / 8-person $116,500 (2025 limits). 该限制适用于家庭总收入，而不仅是借款人的收入。 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 Homebuyers Assistance and Educational Program (FTHB) - CDBG将房价上限设为$418,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Must be primary residence. 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG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 Homebuyers Assistance and Educational Program (FTHB) - CDBG服务于在Plano，Texas购房的购房者。

First Time Homebuyers Assistance and Educational Program (FTHB) - CDBG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Reserved by participating lender through City of Plano Community Services. Funds available on first-come, first-served basis subject to annual 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。