GUIDELINES AND PROGRAM MANUAL January, 2017

RESIDENTIAL DOWNPAYMENT. ASSISTANCE PROGRAM . First Time Homebuyers Assistance GUIDELINES AND PROGRAM . MANUAL . january , 2017. 9200 Basil Court, Suite 504, Largo, Maryland 20774. Office (301) 883-5300. TDD (301)883 5428 for Hearing Impaired Only Fax (301) 883-5291 Telephone Transmitted Only TABLE OF CONTENTS. TOPIC PAGE. 1. Introduction 3. 2. Applicant Eligibility 3. 3. Credit and Mortgage Standards 3. 4. Debt Ratio Standards 4. 5. Loan Amount 4. 6. Loan Term 4. 7. Interest Rate 4. 8. Primary Residency Restrictions 5. 9. Repayment Requirements 5. 10. Household Income Limits and Income Determination 6. 11. Eligible Properties 10. 12. Eligible Zip Codes 10. 13. Maximum Purchase Price 10. 14. Property Standards 10. 15. HQS Inspection Procedures 10. 16. Home Inspection Compliance 11. 17. Lead Based Paint Compliance 12. 18. Purchaser's Minimum Cash Contribution 12. 19. Seller Contribution 12. 20. Money Returned to Borrower 12. 21. Application Process 12. 22. Getting Started 14. 23. Participating Lenders & Certification Requirements 15.

RESIDENTIAL DOWNPAYMENT ASSISTANCE PROGRAM First Time Homebuyers Assistance GUIDELINES AND PROGRAM MANUAL January, 2017 9200 Basil Court, Suite 504, Largo, Maryland 20774

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