Homebuyer Assistance Program

Homebuyer Assistance Program是面向Martinsburg，West Virginia购房者的可免除贷款。 City of Martinsburg HOME/CDBG-funded forgivable second mortgage with two tiers (80% AMI standard up to $14,999/5yr; 120% AMI workforce up to $30,000/10yr). First-time homebuyers only. Martinsburg city limits. City of Martinsburg Homebuyer Assistance Program provides a deferred 0% forgivable second mortgage to first-time homebuyers in the City of Martinsburg, WV. Two tiers: (1) standard 80% AMI tier - up to $14,999, 5-year forgiveness, income $41,650 (1p) - $78,500 (8p). and (2) workforce 120% AMI tier - up to $30,000 deferred forgivable second, 10-year forgiveness, income up to $121,650 (8p). HUD HOME / WV CDBG-funded. Forgiven pro-rata per year of continuous owner-occupancy. No monthly payment. Unforgiven balance due if borrower sells/refinances/vacates during affordability period. Purchase price ceiling $170,905 existing / $290,909 new construction (HUD HOME 95% area median for Berkeley County / Hagerstown-Martinsburg MSA). HUD-approved housing counseling required. Property must pass HQS inspection. 资金来自Federal、HOME和CDBG。

Homebuyer Assistance Program提供最高$24,500的援助。 购房者自付部分：Borrower required to contribute at least $1,000 of own funds toward down payment / closing costs. 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管理该项目的机构决定。

Homebuyer Assistance Program在10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 pro-rata over 5 years (standard) or 10 years (workforce) of continuous owner-occupancy. Unforgiven balance due in full on sale, refinance, transfer, or non-owner-occupancy during 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。

Homebuyer Assistance 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 Eastern Panhandle Regional Planning & Development Council and Eastern WV Community Action Agency.提供。 居住要求：Property must be located within City of Martinsburg city limits, WV. 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 within City of Martinsburg city limits. Owner-occupied primary residence. Income at or below 120% HUD AMI (workforce tier). Maximum 45% DTI. HUD-approved homebuyer education required. Minimum borrower contribution of $1,000 from own funds. Property must pass HQS inspection.

Homebuyer Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Two income tiers. Standard 80% AMI: $41,650 (1p) - $78,500 (8p). Workforce 120% AMI: up to $121,650 (8p). 2024-25 HUD limits for Hagerstown-Martinsburg MSA / Berkeley County, WV. 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。

Homebuyer Assistance Program将房价上限设为$290,909。 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。

Homebuyer Assistance 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。

Homebuyer Assistance Program服务于在Martinsburg，West Virginia购房的购房者。

Homebuyer Assistance 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 Martinsburg Department of Planning. First-come, first-served subject to annual 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。