HOME Investment Partnership Program - FTHB Program

HOME Investment Partnership Program - FTHB Program是面向Wheeling，West Virginia购房者的可免除贷款。 Wheeling/Northern Panhandle HOME Consortium HUD HOME-funded FTHB forgivable second mortgage up to $14,999, 5-year forgiveness, 80% AMI. First-time homebuyers only. Ohio/Marshall/Brooke/Hancock counties. City of Wheeling / Northern Panhandle HOME Consortium First-Time Homebuyer (FTHB) Program provides a deferred 0% forgivable second mortgage up to $14,999 for down payment and closing-cost assistance. Serves Ohio, Marshall, Brooke, and Hancock counties (Northern Panhandle of WV). HUD HOME-funded. Forgiven over 5 years of continuous owner-occupancy (20% per year per HUD HOME 24 CFR 92.254). No monthly payment. If borrower sells/refinances/vacates within 5 years, unforgiven balance is due. 80% AMI limit ($45,150 1p - $85,150 8p per 2024-25 HUD AMI for Wheeling MSA). Purchase price up to $144,400 (HUD HOME 95% area median for Wheeling, WV-OH MSA). HUD-approved housing counseling required. Property must pass HQS inspection. 资金来自Federal和HOME。

HOME Investment Partnership Program - FTHB Program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：0% deferred forgivable second mortgage. Forgiven 20% per year over 5 years of continuous owner-occupancy. Unforgiven balance due in full on sale, refinance, transfer, or non-owner-occupancy during 5-year affordability period. No monthly payment. 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。

HOME Investment Partnership Program - FTHB Program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 primary residence ownership in past 3 years). Standard HUD HOME exception for displaced homemakers and single parents. 关于信用，该项目说明：620 minimum FICO typical (verify with first-mortgage lender). 须参加购房者教育课程，由HUD-approved housing counseling required. Local providers include YWCA Wheeling and Northern Panhandle Regional Planning & Development Council.提供。 居住要求：Property must be located in Ohio, Marshall, Brooke, or Hancock County, WV (Northern Panhandle HOME Consortium service area). 公民身份或移民身份：U.S. citizen or qualifying lawful permanent resident. First-time homebuyer (no primary residence ownership in past 3 years). Property must be located in Ohio, Marshall, Brooke, or Hancock County, WV. Owner-occupied primary residence. Income at or below 80% HUD AMI. Maximum 45% DTI. HUD-approved homebuyer education required. Minimum borrower contribution of $1,000 from own funds. Property must pass HQS inspection.

HOME Investment Partnership Program - FTHB Program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 at or below 80% HUD Area Median Income (AMI) for Wheeling, WV-OH MSA. 2024-25 limits: $45,150 (1p), $51,600 (2p), $58,050 (3p), $64,500 (4p), $69,700 (5p), $74,850 (6p), $80,000 (7p), $85,150 (8p). 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。

HOME Investment Partnership Program - FTHB Program将房价上限设为$144,400。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays. 新建房屋符合条件。 预制房屋不符合条件。

HOME Investment Partnership Program - FTHB Program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。

HOME Investment Partnership Program - FTHB Program服务于在Wheeling，West Virginia购房的购房者。

HOME Investment Partnership Program - FTHB Program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Direct application to City of Wheeling Community Development. First-come, first-served subject to annual 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。