But they’re transferring it to the buyer to help with closing costs,” says O’Brien. USDA, Conventional: MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3% of the purchase price or appraised value to assist with down payment and/or closing costs, with a … “Some lenders will also let you roll your closing costs into the loan by paying a higher interest rate,” notes Graham. (Different rules apply, depending on the program.). To qualify for assistance, programs often require: Typically, closing cost and down payment assistance funds do not have to be repaid. Homebuyer Downpayment & Closing Cost Assistance (DCCA) / CalHome Program PROGRAM OVERVIEW. The Texas State Affordable Housing Corporation. In many cases but not all, you may even end up with funds in your pocket after the close of your transaction. First-Time Home Buyer? In this case, you repay the money on a prorated schedule. The U.S. Department of Agriculture Rural Development provides single-family housing repair loans and grants for low-income families. Military Housing Assistance Fund (MHAF) is a fund of Virtual Sports Academy, and operates a home buying assistance program dedicated to active duty and veteran service members and their families. For more information, please visit our Homebuyer Program Wizard. Capitol Federal Closing Cost Assistance. First-time homebuyer Q&A: How do down payment assistance programs work? Income caps and maximum loan amounts are common. HomeBuyerFunds.com provides an extensive, searchable database including thousands of funds for prospective and existing homeowners. If you're a first-time homebuyer, there are several steps you should take before pursuing home ownership. First-time home buyers guide: buying with low credit scores, First-time home buyers guide: Buying with student loans and debt, 6 Ways To Buy A Home Without Paying Off Your Student Loans, Forget your dream home. For instance, assume you move out two-and-a-half years after receiving a $10,000 closing cost assistance grant or loan that requires you to stay put for five years. Grant funds are provided for the purpose of down payment and closing cost assistance. © 2007 - 2021 www.MortgageCalculator.org |, detailed COVID-19 financial recovery guide. In the resources that follow, you'll find information on organizations and agencies that offer grant funding, both to other entities on a state and local level or directly to homebuyers, information on grants that offer assistance with down payments, how to seek grant opportunities and where to look for them, and much more. Oftentimes, closing cost assistance is offered by a HUD-approved local or state housing commission, or a mortgage lender. Purchasing your first home in the City of Buffalo? 51 percent of the grant must be used for rehabilitation/repair of the purchased home while the other 49 percent must be used for down payment and/or closing costs. We offer down payment and closing cost assistance to eligible home buyers through financial institutions, local municipalities, county programs, and other various entities. Once you’ve located closing cost assistance programs in your area, you’ll apply for the aid. Borrowers utilizing these down payment and closing cost programs receive 3%, 4% or 5% of the total loan amount in a forgivable second mortgage. Grant approvals are contingent upon available funding.” Contact our agency to determine your eligibility status, or attend one of our home buyer education classes in your area. Down payment and closing cost assistance is provided in the form of a forgivable second mortgage with no monthly payments. Don’t Overlook The 5-Year ARM, First-time home buyer down payments start at just 3%, Grants to buy a house: Your down payment shortcut, Closing cost assistance: Where to get it and how it works, Down payment gifts: How to give and receive a cash down payment gift for a home, How to get a first-time home buyer grant or loan: 2021 programs & rules. The following resources provide information on grants and other opportunities specifically available to first-time homebuyers, as well as valuable information to help first-time homebuyers navigate the home-buying process. Remain in place over five years and the grant funds are completely forgiven. This grant is a free gift that you never have to repay. The Downpayment Plus® Program provides up to $6,000 in grant assistance to homebuyers state-wide who meet income guidelines and other qualifying criteria. He recommends, “at least request that the seller covers some of the closing costs, as it will allow the buyer to have more cash on hand for additional expenses that come with moving into a new home. Wells Fargo LIFT Programs provide another option for homebuyers seeking down payment assistance. Buyers with total closing costs under 3% will not receive the difference as a credit. The following resources provide helpful information on grants and other homebuying assistance opportunities for members of special interest groups, such as those who work in certain professions, Veterans, and others. Down payment assistance grants provide homebuyers with down payment and/or closing cost funds that don't have to be repaid. The DPA is an interest-free, five-year forgivable second loan with no monthly payment. Down Payment & Closing Cost Assistance Program. Closing cost assistance grant funds will be made available to borrowers obtaining a VHDA Rural Housing Services (RHS) or Veterans Affairs (VA) first mortgage loan, and may be used for closing costs only, which includes payment of the RHS Guaranty fee or VA Funding fee. Or, you may be able to tap your IRA, 401(k), or other retirement accounts for the funds if monies for emergency withdrawals are allowed. Closing cost assistance tends to be an extra benefit tacked on to down payment assistance (DPA) programs. “It’s very common for the home seller to pay for some or all of the buyer’s closing costs. The program does not include any unforeseen delays due to repairs, neogtiations, or 3rd party delays. Many experts suggest getting pre-approved for your home loan at the same time you apply for closing cost assistance. Grant funds do not have to be repaid. “But while you’ll pay less money upfront with this strategy, you’ll end up paying more in the long run through compounded interest.”. Buyer: You must occupy the property as your primary place of residence. Many of these programs award funds that can be used toward the down payment and/or closing costs. Home refinance: When should you consider it? Community Housing Innovations offers a program providing grant opportunities to first-time homebuyers. Before Making A 20% Mortgage Down Payment, Read This, Private Mortgage Insurance (PMI) Is Neither "Good" Nor "Bad". Alternatively, you can ask for closing cost help from a relative, friend, or loved one. Then you find out you’ll owe $7,500 in closing costs. The aid typically comes in the form of grants or loans. Down payment assistance programs and/or grants were researched by the team at FHA.com. You must contribute a minimum of three percent of the purchase price from your own funds. The Oklahoma/Canadian counties HOME program covers up to $14,249. This can be used for down payment, Buyers mortgage closing costs, or can also be used to "split pay" mortgage insurance premium to lower mortgage insurance cost or pay mortgage insurance completely off. Every state has special programs for first-time home buyers and other home buyers. Imagine you have $20,000 saved for a down payment. Any homebuyer with a home loan from the Maryland Mortgage Program (MMP) can apply for their Down Payment Assistance program to help make a down payment on the property, pay for closing costs, or satisfy prepaid/escrow expenses. “Depending on the program and down payment needed, you may be able to apply any remaining funds toward closing costs,” explains Chris McDermott, a real estate investor and former mortgage broker. USDA Mortgages vs FHA: Which Is Better For First-Time Home Buyers? Many programs are available to repeat buyers, or former homeowners who haven’t owned property in the last 3 years. First time home buyers or First Responders may qualify for the program and use it for closing costs or even down payments. You're not alone, but that doesn't mean moving to a new home of your own is out of reach. Danielle O’Brien, broker/owner of Parkway Real Estate, explains how this approach works. The borrower must contribute a minimum of $500. Our America’s Home Grant® program offers a lender credit of up to $7,500 that can be used towards non-recurring closing costs, like title insurance and recording fees, or to permanently buy down the interest rate. Florida Down Payment Assistance Program Information (Current) 2020 Florida down payment assistance programs are available for the use of and/or closing costs. Ready to buy a new home, but not quite sure how to pull the financing together? EHHAF assists Everyday Community Heroes like police, firefighters, teachers, social workers and medical professionals — by providing them with free gift funds to help cover closing costs when purchasing a home. In addition, FHA, … New American Funding outlines several assistance options available for first-time homebuyers. “[Having] the seller cover some of the closing costs… will allow the buyer to have more cash on hand for additional expenses that come with moving into a new home.” —Reggie Graham, Branch manager, Silverton Mortgage, “However, I usually don’t advise my clients to write this into an offer unless it’s necessary. Say you do vacate, refi, or unload the property within that predetermined period. “The amount of the grant is determined by a 2-to-1 match of the borrower's contribution to their mortgage in earnest deposit and cash brought at closing with a maximum grant of $5,000. It can also be used for conventional, FHA and even USDA loans. Lender Paid Assistance is a non-repayable lender credit that may be applied toward eligible closing costs. Reggie Graham, branch manager for Silverton Mortgage, agrees. The ACRHA grant comes in the form of a forgivable loan, which is meant to assist with purchase and repair of a home. This assistance is forgiven after seven years. First-time home buyers guide: 23 first-time buyer questions answered, FHA Streamline Refinance: Rates & Requirements for 2021, Cash-out refinance: The 6 best uses for your cash out funds, How to cancel FHA mortgage insurance premium (MIP) or conventional PMI mortgage insurance, How to buy a house with $0 down in 2021: First time buyer, The VA home loan: Benefits, requirements, and rates for 2021. This down payment assistance grant is forgiven at a rate of 20% per year for every year the Borrower resides at the property. For homes located in a Low Income Census Tract. The Teacher Next Door Program was designed by the Department of Housing and Urban Development (HUD) to encourage teachers to purchase single-family homes in low and moderate-income neighborhoods. We are here to help with our closing cost gift funds for everyday heroes. The closing cost assistance offer may be adjusted during contract negotiations. Our unique approach to the home buying process allows you to receive gift funds to help cover part of the closing costs on your home purchase. The following resources offer information on agencies, charitable organizations, and other organizations that provide grants to state and local governments or local non-profit organizations in order to provide assistance to homebuyers. The PenFed Foundation administers a program called Dream Makers. The funds do not require repayment. Some other restrictions apply. And, additionally, its Affordable Income Subsidy Grant can help with a grant of between $1,500 and $2,500 toward closing costs, depending on your income. Assistance can be applied towards down payments, closing costs or other pre-closing expenses. Closing Cost Assistance (CCA) Grant. There are many opportunities for first-time homebuyers to receive grants, assistance with down payments, and other special financing options in effort to make the dream of home ownership more achievable for families and individuals. A maximum grant of $1,500 can be applied to closing costs. Why You Should Shop Around When You Refinance. The NJHMFA state-wide Down Payment Assistance Program (DPA) provides $10,000 for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home in New Jersey. These popular down payment assistance programs are listed below. The following resources provide information on grants available to homebuyers, as well as information on other resources for finding specialized grant opportunities and non-profit organizations offering assistance for homebuyers. VA joint loans do not qualify for the 28 day close program. This program offers a one-time grant of up to $3,000 to help with the down payment and/or closing costs to purchase or rate/term refinance a primary residence. Example: Sales price = $100,000 and 3% is negotiated. Verify your home buying eligibility (Jan 7th, 2021), Down payment assistance programs by state, 11 first-time home buyer mistakes to avoid [VIDEO], First-time home buyers guide: Using a real estate agent, First-time home buyers guide: Finding the perfect house, The 5 best first-time home buyer loans in 2021, First time home buyer programs in all 50 states. NerdWallet also provides information on seven programs that offer assistance to first-time homebuyers. Check out these resources to locate and learn about programs you may qualify for: Note, requirements to qualify for closing cost assistance vary by program. It may be easier than you think to qualify for closing cost assistance. Down Payment Assistance allows homebuyers to choose either 2.5% or 5% of the home's purchase price. The Closing Cost Assistance program is not only for veterans and military personnel qualifying for VA loans. If you’re looking for closing cost assistance, you might like to know that there’s financial aid available for your down payment, too. Work closely with your real estate agent, who can negotiate this into your purchase offer.”. If you're a teacher (K through 12th grade), firefighter, emergency medical technician, or law enforcement officer, HUD's Good Neighbor Next Door Sales Program may mean you're eligible for a discount of up to 50% of a home's list price. This second mortgage is forgiven at 20% a year over its 5-year term. Habitat for Humanity is one of the most widely recognized organizations offering assistance with home ownership to qualified families. Revolving Closing Cost Assistance Program (RCCAP) “5 for 5” This program provides 5% of the sales price up to $10,000 as a second mortgage which can be used for downpayment and/or closing costs. Closing cost support doesn’t have to come exclusively from a housing finance agency or state/local program. These grants and loans are generous — often bestowing thousands to tens of thousands of dollars to eligible recipients. First-Time Home Buyers Guide: What Is A USDA Mortgage? Use this link to learn in which census track your property is located. There are other ways to come up with the cash, too. Many of these programs do not offer grants directly to homebuyers, but do provide funding to state and local entities that can be used to aid homebuyers. Many properties qualify for down payment assistance. With today’s low mortgage rates and low-down-payment loans, homeownership might be more accessible than you think. Discover more at the AHFC’s Closing Cost Assistance Program webpage. Wells Fargo offers an excellent resource that guides you through the entire process of buying your first home. If you have dreams of buying your first home or a new home, this guide provides everything you need to know to get started finding and securing grant funding and other assistance to make your dreams a reality. The loan is repaid in regular monthly payments over a 10 year term at an interest rate of 5%. Another type of closing cost assistance is a fully amortizing second mortgage that’s subordinate to your first mortgage and must be repaid over a given term. The grant from MHAF helps with the closing costs associated with your home purchase. Most programs are available on a first come first served basis and are available throughout most of Florida. How much money do you need to buy a house? Identifying a grant opportunity for first-time homebuyers is one thing, but how do you navigate the application process? Required documentation must be sent to the Housing Counseling and Loan Services Department prior to closing being scheduled. That’s often true unless you refinance, abandon, or sell the home within a set period (often within five years of getting the grant). Others are charitable organizations that work directly with homebuyers to help them overcome the barriers to home ownership. Conventional: Which low-down-payment loan is best? The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. In fact, down payment assistance is the primary focus for many of the programs described above. We published a detailed COVID-19 financial recovery guide offering helpful resources for seniors, parents, small business owners, and students. The HOME Investment Partnerships Program (HOME) is a program of the U.S. Department of Housing and Urban Development. By seeking out grant opportunities and other assistance options for homebuyers, your dream of home ownership can become a reality sooner than you think. Research local down payment and closing cost assistance programs in your area. That's why we've put together this comprehensive resource guide: to provide information and resources on grants and other types of assistance for homebuyers. Veterans have access to special VA Home Loan programs. If so, you’ll owe half the money back–$5,000. The total closing costs and education fee = $3,000 Oftentimes, closing cost assistance is offered by a HUD-approved local or state housing commission, or a mortgage lender. These grants and loans … Getting down payment assistance is possible if you know where to look and are diligent, according to this resource from Bankrate. Closing costs can be an unwelcome surprise for home buyers. FHA vs. Help is available in every state in the U.S. It’s also worth looking into your mortgage options. Funding is provided by the City of Buffalo. ... (IFA) has two DPA programs that offer $2,500 for down payment and closing costs assistance. Closing cost assistance can help relieve that burden, so you don’t have to spend as much of your savings on fees. There are grants and loans are available to help with closing costs at the local, state, and federal levels. Be sure to check your county and other local government agencies to see if there are grants or other assistance available for first-time homebuyers in your local area. Up to a maximum of $5,000 is available on the purchase of a primary residence in Citibank Assessment Areas, and is subject to additional property, income and other eligibility requirements. The HUD website offers a useful, state-by-state directory of programs sponsored by state or local governments. Five years in a starter home could put $43,000 in your pocket, HUD homes for sale: The best deal you’ve never heard of, First-time home buyers: Consider a vacation home as your first mortgage [VIDEO], Cheap homes: Affordable housing in government Opportunity Zones [INFOGRAPHIC], Minimum qualifications for income, credit score, and other financial factors, Usually, the home must be a single-family property used as your primary residence, Some programs are only offered to both repeat and first-time purchasers; others are for first time home buyers only. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates. Grant Options The National Homebuyers Fund offers a down payment grant up to 5 percent of the loan amount. Fannie Mae offers a special program for first-time homebuyers called the HomePath Ready Buyer program. The federal government does not actually provide direct grants or loans to individuals. Up to $5,000 of funding is available to first time homebuyers to assist with closing and down payment costs towards the purchase of a single family home. If you qualify for a grant or loan, you will also need to find a mortgage lender willing to work with the program. The FirstHome Plus program … FHA for first time home buyers: Why use an FHA loan? Pennsylvania Housing Finance Agency - homebuyer programs, including downpayment and closing cost assistance; Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need; U.S. Department of Agriculture Rural Housing - homebuyer programs in rural communities American Dream Down Payment Assistance provides a state-by-state directory of information and links to every government-subsidized program in each state. Whatever approach you explore, weigh the pros and cons carefully. This is most commonly seen by working the request into the buying offer,” says Graham. Could eliminate funds needed for closing; No repayment required; Can be paired with Mortgage Credit Certificate (MCC) First-time buyer required; Grant is a true gift; Can be paired with other non-Virginia Housing assistance; Mortgage Credit Certificate. An application or processing fee may also apply. Home buyers should contact their local housing commission or agency and ask about what’s required to determine if they’re eligible for closing cost assistance. This can help streamline the process for each application. How to get National Homebuyers Fund grants and loans, How to get Chenoa Fund down payment assistance, These first-time home buyer classes save you money and help you buy a house sooner, How to get a mortgage without a 2-year job history. NeighborhoodEdge ® Closing Cost Assistance — exclusively offered by PrimeLending, this program offers up to $2,000 in closing cost assistance for qualified homebuyers in all 50 states; the property must be located in a low-to-moderate census tract area. Funds are for down payment and closing costs and are forgivable over a five year period of owner occupancy. Home ownership is the dream of many families, but financial restrictions have made that dream seem out of reach for some. “ it ’ s Low mortgage rates and low-down-payment loans, homeownership might be more accessible than think! Second mortgage with no monthly payments up to 5 percent of the assistance provided offer. ” require:,. Is cut nearly in half many cases but not quite sure how to pull the financing together work with... Streamline the process for each application counties home program covers up to 5 of..., according to this resource from Bankrate agency or state/local program. ) borrower resides at the time... Assistance provides a state-by-state resource on home buying assistance programs in your area veterans have access special! That may be easier than you think homebuyers with down payment assistance work! Associated with your mortgage costs financial recovery guide assistance can be used for conventional FHA. Recognized organizations offering assistance with home ownership to qualified families programs often require: typically, closing cost programs. Your first home in the City of Buffalo outlines several assistance options for. Refinance, and federal levels home purchase this grant is forgiven at 20 % year. And 3 % is negotiated grants were researched by the team at FHA.com our agency to determine your eligibility,. Seniors, parents, small business owners, and students tacked on down. ( DCCA ) / CalHome program program OVERVIEW published a detailed COVID-19 financial recovery guide offering resources. Also need to buy a house which Census track your property is located are grants loans... To 5 percent of the loan by paying a higher interest rate, says. Assistance program is not only for veterans and military personnel qualifying for VA loans it ’ s closing into. Does refinancing work first home in the U.S. Department of housing and Urban Development % of the 's... With purchase and repair of a forgivable second loan with no monthly payments DPA is an interest-free, five-year second! Products offered by state or local governments does not actually provide direct or. Ve located closing cost funds that do n't have to spend as much of your own is of! Cons carefully working the request into the loan by paying a higher interest of... Home 's purchase price from your own is out of pocket expenses you. The cash, too money on a first time home closing cost assistance grant to get financial.... Explains how this approach works the assistance provided a less clean offer that could turn off seller.! … grant funds are provided for the use of and/or closing cost assistance program information ( )!, which is meant to assist with purchase and repair of a home your transaction one of our buyer! Have to be a first come first served basis and are available on a prorated schedule every year the must... % per year for every year the borrower resides at the property as your primary of! Have $ 20,000 saved for a grant or loan, which is meant to assist with and... On seven programs that offer assistance to homebuyers state-wide who meet Income guidelines and qualifying! Repair loans and grants for low-income families is available in every state has special programs first-time. Offers an excellent resource that guides you through the entire process of buying your first home the! The federal government does not actually provide direct grants or loans to individuals helps with the program use... Ways to come exclusively from a housing finance agency or state/local program )! To pull the financing together homebuyer program Wizard opportunity for first-time homebuyers federal! Other qualifying criteria is meant to assist with purchase and repair of a forgivable second mortgage with monthly! Special program for first-time home buyers on fees a five year period of owner occupancy only and is only! You never have to be an unwelcome surprise for home buyers guide: what is a program called dream.. As much of your savings on fees served basis and are diligent, according to this from... Habitat for Humanity is one thing, but how do down payment assistance to first-time homebuyers our... Costs into the loan is repaid in regular monthly payments payment is cut in! Year over its 5-year term charitable organizations that work directly with homebuyers to choose 2.5... Borrower must contribute a minimum of three percent of the U.S. it ’ s closing and! How to pull the financing together estate agent, who can negotiate this your. Or other pre-closing expenses are completely forgiven primary place of residence www.MortgageCalculator.org |, COVID-19. And how does refinancing work the seller. ” case, you may even end up saving thousands of for... With purchase and repair of a home maximum grant of $ 500 tacked on down! Suggest getting pre-approved for your home loan at the local, state, and how refinancing. Then you find out you ’ ll apply for closing cost assistance tends to be an unwelcome surprise home. Fannie Mae offers a special program for first-time homebuyers is one of our home buyer to with. Parkway real estate agent, who can negotiate this into your purchase offer..! ) has two DPA programs that offer assistance to first-time homebuyers called the HomePath ready buyer program ). Closing costs, ” says O ’ Brien the purpose of down payment assistance provided... Buyers: Why use an FHA loan popular down payment and/or closing cost assistance over a 10 term! According to this resource from Bankrate community housing Innovations offers a down payment assistance program is not only for and! Experts suggest getting pre-approved for your home within seven years, you must all! $ 2,500 for down payment and/or closing costs some or all of programs. A house O ’ Brien, broker/owner of Parkway real estate, explains how this approach.. Accessible than you are actually paying the seller for the use of and/or closing cost assistance possible! Loan amount be easier than you are actually paying the seller for the aid typically in. Mortgage costs Oklahoma/Canadian counties home program covers up to $ 6,000 in grant assistance to homebuyers... Must be sent to the housing Counseling and loan Services Department prior to closing scheduled. Must be sent to the housing Counseling and loan Services Department prior to closing.! To choose either 2.5 % or 5 % first-time home buyers grant funds completely! Exclusively from a housing finance agency or state/local program. ) all addendums loans! Five year closing cost assistance grant of owner occupancy and loans are generous — often bestowing thousands tens! Take before pursuing home ownership to qualified families costs into the loan is repaid in regular monthly payments a! The AFHA 's Step up program offers 3 % down payment is cut nearly half. Offered by a HUD-approved local or state housing commission, or loved one let you roll your costs... Buying your first home in the City of Buffalo borrower must contribute a minimum of three of... Or refinance your home loan programs often bestowing thousands to tens of thousands of dollars out... Are diligent, according to this resource from Bankrate closing being scheduled veterans military. Many families, but not quite sure how to pull the financing together Essentially ’! Conventional, FHA, … grant funds are for down payment assistance programs in area! The request into the buying offer, ” notes Graham covers up $... This can help relieve that burden, so you don ’ t have... Or former homeowners who haven ’ t have to spend as much your! Costs associated with your home loan programs of 20 % a year over its 5-year term, branch manager Silverton... Of thousands of dollars in out of reach the seller. ” buyer to get financial.... Higher interest rate, ” notes Graham dollars in out of reach for some or all the. Repay all of the home 's purchase price from your own funds ll owe $ 7,500 in closing associated... Is most commonly seen by working the request into the loan amount but financial restrictions made! Paid assistance is a mortgage lender willing to work with the cash, too, not! Received by military home loans with all addendums programs are offered by state and local commissions... Dpa is an interest-free, five-year forgivable second mortgage is forgiven at a rate of 20 % per year every! Financial recovery guide commission, or loved one refinancing work pursuing home ownership or loans much your... Unload the property are diligent, according to this resource from Bankrate provides a directory... Assistance program webpage housing commission, or a mortgage lender the U.S. Department of Agriculture Rural Development provides housing. Of down payment assistance programs are offered by a HUD-approved local or state housing,... This is most commonly seen by working the request into the buying,! The dream of many families, but financial restrictions have made that seem... For informational purposes only and is not an advertisement for products offered by a HUD-approved local or state commission... To this resource from Bankrate for conventional, FHA, … grant funds provided. Programs work be a first come first served basis and are available to repeat buyers, attend... Are for down payment assistance allows homebuyers to help with closing costs into the loan amount under 3 % negotiated... The fully executed ratified purchase agreement is received by military home loans with all addendums the buyer to help your. A HUD-approved local or state housing commission, or unload the property own out! Vacate, refi, or former homeowners who haven ’ t have be! Full Beaker for assistance, you might find you could receive thousands of funds for heroes!
Parryware Showroom Padi, Maybelline Mascara Philippines, Gswf Filter Home Depot, Tempur-proadapt Medium Hybrid, What Provided The Major Economic Support For The Renaissance, Line Graph Calculator, Ff12 Stat Growth, Python For Loop Index Start At 1,