City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)是面向Wheeling，West Virginia购房者的可免除贷款，由City of Wheeling, Economic & Community Development (lead agency for WV Northern Panhandle HOME Consortium)管理。 Through the WV Northern Panhandle HOME Consortium (lead agency City of Wheeling), the First-Time Homebuyer Program loans up to $10,000 to qualified buyers in the City of Wheeling and Ohio County for down payment and closing costs. The loan is deferred, interest-free, and forgivable; after the borrower occupies the home as a primary residence for 5 years the loan becomes a grant. Requires a 640 minimum credit score and completion of a HUD housing counseling course. Up to $10,000. 0% interest. Forgiven after 5 years. Down payment and closing costs. 资金来自HUD HOME Investment Partnership funds via WV Northern Panhandle HOME Consortium。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)提供最高$10,000的援助。 购房者自付部分：At least $500 out of pocket toward down payment or closing costs; plus refundable $50 application fee。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of Wheeling, Economic & Community Development (lead agency for WV Northern Panhandle HOME Consortium)决定。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)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：Failure to occupy as primary residence for at least 5 years; loan is deferred/forgivable and becomes a grant at end of 5 years。 该援助以second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。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)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：None - applicant must never have owned a home before。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由CHIP (304-233-0953); CHANGE, Inc. (304-797-7733); Family Service Credit Counseling (304-232-6733); Community Action Commission of Belmont County (740-695-0293)提供。 Covers City of Wheeling and Ohio County, NOT among the 3 Northern Panhandle jurisdictions already in catalog (Weirton, Hancock & Brooke, Marshall County). Income limits differ slightly by sub-area.

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)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。 HUD Section 8 income limits effective 6/1/2024 for City of Wheeling/Ohio County/Marshall County: 1-person $45,150 up to 8-person $85,150. 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。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)可用于Single Family。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)服务于在Wheeling，West Virginia购房的购房者。

City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)的申请通过City of Wheeling, Economic & Community Development (lead agency for WV Northern Panhandle HOME Consortium)办理，该机构在其网站上公布现行条款和申请步骤。 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。