FirstHome

FirstHome是面向Statewide，Utah购房者的补助金。 UHC FirstHome is a tax-exempt bond-funded 30-year fixed first mortgage program for first-time Utah homebuyers, paired with a UHC DPA second mortgage of up to 6%. Statewide availability with county-tiered income and purchase price limits. Federal target-area exception waives the FTHB requirement and applies higher purchase price limit. Tax-exempt bond-funded 30-year fixed first mortgage at below-market rates for first-time homebuyers, paired with a UHC DPA second mortgage of up to 6% of the first-mortgage amount (covers down payment, closing costs, prepaids). Available statewide. Purchase-price limits $544,200 (non-target) to $772,400 (target areas). income limits $116,100-$166,100 by county. Minimum 660 FICO. 资金来自State、HFA和Bond。

FirstHome属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing payments alongside primary mortgage over 30 years和balance due at sale, refinance, or non-occupancy。 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。

FirstHome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 requirement waived in federally designated target areas。 关于信用，该项目说明：Minimum 660 FICO。 须参加购房者教育课程，由UHC-approved homebuyer education (Framework, eHomeAmerica, NeighborWorks Salt Lake, AAA Fair Credit Foundation, USU Extension PowerPay, etc.)提供。 居住要求：Property must be in Utah and used as primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent/non-permanent resident alien。 Must be a first-time homebuyer (no ownership interest in a primary residence in last 3 years) UNLESS purchasing in a federally designated target area. Household income at or below county-tiered limit ($116,100-$166,100). Purchase price at or below county-tiered limit ($544,200 non-target / $772,400 target). Minimum 660 FICO. Must occupy as primary residence. Must complete UHC-approved homebuyer education prior to closing. Federal recapture tax may apply.

FirstHome将家庭收入限制在$166,100。 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。

FirstHome将房价上限设为$772,400。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured (per first-mortgage product)。 新建房屋符合条件。 预制房屋符合条件。

FirstHome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。

FirstHome服务于在Statewide，Utah购房的购房者。 该项目针对特定区域：Higher purchase price limit ($772,400) and waived FTHB requirement apply in federally designated target areas; see UHC Lender Online.

FirstHome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Loan officer reserves funds via UHC Lender Online portal at time of loan locking; subject to bond/program funding 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。