First Time Homebuyers Program (FTHB)

First Time Homebuyers Program (FTHB)是面向Prince William县，Virginia购房者的延期第二贷款。 Prince William County's First Time Homebuyers Program (FTHB) provides up to $15,000 as a 0% interest deferred-payment second mortgage for first-time homebuyers purchasing primary residences in Prince William County. Funds are sourced from HUD HOME and CDBG pass-through dollars and from county general fund appropriations. Administered by Prince William County Department of Housing and Community Development. Up to $15,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing in Prince William County. Provided as a 0% interest deferred-payment second mortgage. No monthly payments. repaid upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 资金来自HOME、CDBG、Federal和Local Government。

First Time Homebuyers Program (FTHB)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred 0% second-mortgage repayable in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 该援助以2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 Program (FTHB)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 (no ownership of residential real estate in prior 3 years). 关于信用，该项目说明：640 minimum FICO。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Prince William County; 8-hour homebuyer-education certificate required.提供。 居住要求：Property must be located within Prince William County, VA (or applicable cities of Manassas / Manassas Park) and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by HUD HOME / CDBG rules。 Property must be located in Prince William County (or the cities of Manassas / Manassas Park where applicable) and be the buyer's primary residence. Buyer must be a first-time homebuyer (no ownership in prior 3 years). Household income between $74,800 (1-person minimum) and $141,000 (8-person maximum) tracking 80% AMI for the Washington-Arlington-Alexandria HMFA. Minimum 640 FICO. Minimum borrower contribution $1,000. 8-hour HUD-approved homebuyer education required.

First Time Homebuyers Program (FTHB)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 between $74,800 (1-person minimum threshold) and $141,000 (8-person maximum) at 80% AMI for Washington-Arlington-Alexandria HMFA. 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 Homebuyers Program (FTHB)的房价上限如下：Tracks Virginia Housing maximum sales price for Prince William County。 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyers Program (FTHB)服务于在Prince William县，Virginia购房的购房者。

First Time Homebuyers Program (FTHB)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Application through Prince William County Department of Housing and Community Development; first-come, first-served subject to annual funding.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。