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

First Time Homebuyers Assistance and Educational Program (FTHB) - HOME是面向Plano，Texas购房者的可免除贷款。 City of Plano FTHB HOME-tier: up to $40,000 forgivable second mortgage at 0% interest for first-time homebuyers in Plano city limits. Tiered affordability: 5/10/15-year per HUD HOME. 60-80% AMI tiered. Max purchase $418,000. 620 FICO (govt) / 700 FICO (conv). City of Plano's First Time Homebuyers Assistance and Educational Program (FTHB) - HOME tier provides up to $40,000 in down payment and closing cost assistance to first-time homebuyers purchasing primary residences within Plano city limits. HOME-funded. Structured as a 0% interest deferred forgivable second mortgage with tiered affordability per HUD HOME 24 CFR 92.254: 5-year (under $15K), 10-year ($15K-$40K), 15-year (over $40K). Income tiers from 60-80% AMI. Pairs with FHA, VA, USDA, or conventional 30-year fixed first mortgage. Maximum purchase price $418,000. 资金来自Federal。

First Time Homebuyers Assistance and Educational Program (FTHB) - HOME在15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. Tiered affordability per HUD HOME 24 CFR 92.254: 5-year (<$15K), 10-year ($15K-$40K), 15-year (>$40K). Sale, refinance with cash-out, transfer, or vacating before period ends triggers prorata repayment of unforgiven balance. 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) - HOME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 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 within 60-80% AMI tiers 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) - HOME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。 60-80% AMI for Dallas-Fort Worth-Arlington MSA per HUD; 1-person 60% AMI $46,380 / 1-person 80% AMI $61,800 / 8-person 80% AMI $116,500 (2025 limits). Tiered assistance amount by income tier. 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) - HOME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) - HOME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) - HOME服务于在Plano，Texas购房的购房者。

First Time Homebuyers Assistance and Educational Program (FTHB) - HOME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 HUD 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。