Homeownership Assistance Program (HAP) - Baldwin County

Homeownership Assistance Program (HAP) - Baldwin County هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Baldwin، Alabama، وتديره Baldwin County Commission Grants Department (CDBG-DR via ADECA). Baldwin County's Homeownership Assistance Program (HAP) is a CDBG-DR program (Hurricanes Sally & Zeta) that helps low- to moderate-income, disaster-impacted households close the affordability gap to homeownership with a need-based forgivable 2nd mortgage of up to $85,000 per household. The award has no monthly payments and no interest, and is forgiven after five years of primary occupancy with current insurance and taxes. Funds can cover down payment (up to 100% of the down payment, capped at 20% of purchase price), closing costs, inspections, interest-rate buydown, and buyer's agent commission. Forgivable 2nd mortgage up to $85,000. 0% interest, no monthly payments, forgiven after 5 years. Covers down payment, closing costs, inspections, interest-rate buydown, and buyer's agent commission. Case management and homebuyer education support. Grant funding available through October 2028. يأتي التمويل من Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta (2020), administered through Baldwin County Commission; grant available through October 2028 or until funds are fully awarded.

يقدم Homeownership Assistance Program (HAP) - Baldwin County مساعدة تصل إلى $85,000. يمكن الجمع بين البرنامج ومساعدات أخرى، وفقًا لقواعد كل منها. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Baldwin County Commission Grants Department (CDBG-DR via ADECA) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Homeownership Assistance Program (HAP) - Baldwin County بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Forgivable 2nd mortgage with no monthly payments and no interest accrual; forgiven after 5 years of ownership with primary occupancy and up-to-date insurance and taxes. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Homeownership Assistance Program (HAP) - Baldwin County مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified housing counseling program; homebuyer education course required (list of providers on program handout). شرط الإقامة: Applicant must have been a Baldwin County resident (renter or homeowner), or in the process of purchasing a home in the county, at the time of the 2020 disasters; must maintain primary residency for a minimum of 5 years. Property must be within Baldwin County and in Flood Zone X. الجنسية أو وضع الهجرة: U.S. citizen or qualified alien. NOT YET ACCEPTING APPLICATIONS as of June 7, 2026 - online application portal anticipated to open Summer 2026 (pending final ADECA approval); public information meetings held May 18 and June 3, 2026. Included as an actively-launching program. Property must be in Flood Zone X. Total debt-to-income should not exceed 42%; housing debt not to exceed 30% of income. Applicant must contribute a minimum $500 to closing costs.

يحدد Homeownership Assistance Program (HAP) - Baldwin County دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. 2026 income limits for Baldwin County Metro Area at 80% of Area Median: 1 person $57,300; 2 $65,450; 3 $81,800; 4 $88,350; 5 $94,900; 6 $101,450; 7 $101,450; 8 $108,000. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Homeownership Assistance Program (HAP) - Baldwin County حدًا لسعر الشراء على النحو التالي: Appraisal report must be greater than or equal to the purchase price; no fixed maximum purchase price stated. تشمل أنواع العقارات المؤهلة Single Family.

يخدم Homeownership Assistance Program (HAP) - Baldwin County مشتري المنازل الذين يشترون في مقاطعة Baldwin، Alabama. يستهدف البرنامج مناطق محددة: Targeted to disaster-impacted, low-income households who lived in Baldwin County at the time of the 2020 Hurricanes Sally & Zeta.

تُقدَّم طلبات Homeownership Assistance Program (HAP) - Baldwin County عبر Baldwin County Commission Grants Department (CDBG-DR via ADECA)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Online application portal (anticipated to open Summer 2026); case manager assigned after initial eligibility determination. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.