Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)是面向Hancock|Brooke县，West Virginia购房者的可免除贷款，由CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling管理。 Hancock and Brooke Counties participate in the Northern Panhandle HOME Consortium First Time Homebuyer Program (administered locally by CHANGE, Inc.), offering up to $10,000 in HOME funds toward down payment and closing costs as a deferred, 0% interest, forgivable loan. After 5 years of owner-occupancy, the loan converts to a grant. Up to $10,000 in deferred, 0% interest, forgivable down payment and closing cost assistance; loan becomes a grant after 5 years of owner-occupancy. 资金来自HUD HOME Investment Partnerships Program funds (Northern Panhandle HOME Consortium)。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)提供最高$10,000的援助。 购房者自付部分：Borrower must contribute at least $500 of their own funds toward down payment or closing costs. 该项目可与First mortgage financing; potentially WVHDF programs.结合使用。 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CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling决定。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)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：Prorated repayment if the borrower sells, transfers, or ceases to occupy the home as a primary residence before completing the 5-year owner-occupancy period; after 5 years the deferred loan converts to a grant. 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。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)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：Applicant must never have owned a home before (strict first-time homebuyer requirement). 关于信用，该项目说明：Not specified; applicant must be prequalified for mortgage financing. 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。 居住要求：Home must be a vacant single-family home under contract located within Hancock or Brooke County. Strict never-owned-a-home requirement. $50 refundable application fee plus $500 minimum borrower contribution. Property must be a vacant single-family home in Hancock or Brooke County, under contract, passing HOME inspection.

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)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。 Total annual household income must not exceed HUD Section 8 Income Limits for the Weirton/Brooke/Hancock area (~80% AMI). 2024 limits: 1-person $44,800; 2 $51,200; 3 $57,600; 4 $64,000; 5 $69,150; 6 $74,250; 7 $79,400; 8 $84,500. 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。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)的房价上限如下：Not published; subject to HOME maximum purchase price limits and lender requirements. 符合条件的房屋类型包括Single Family。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)服务于在Hancock|Brooke县，West Virginia购房的购房者。

Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)的申请通过CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling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Apply through CHANGE, Inc. (HOME Administrator); home must be under contract within Hancock or Brooke County; subject to fund 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。