Homeownership Down Payment Assistance Program (HDPA) - Mobile County

Homeownership Down Payment Assistance Program (HDPA) - Mobile County هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Mobile، Alabama، وتديره Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA). Mobile County's Homeownership Down Payment Assistance Program (HDPA) is a CDBG-DR (Hurricanes Sally & Zeta) program administered through ADECA that provides up to $50,000 (minimum $1,000) toward the purchase of a single-family home in designated Mobile County municipalities and unincorporated areas. Assistance is an interest-free deferred loan forgiven over up to ten years as long as the home remains the buyer's primary residence. The program prioritizes low- and moderate-income households impacted by the 2020 storms but also welcomes others on the path to homeownership; properties within the City of Mobile and Town of Dauphin Island are excluded. Up to $50,000 in assistance (minimum $1,000). 0% interest, forgiven over up to 10 years. Open to non-first-time buyers and storm-impacted households. Works with conventional, FHA, VA, and USDA Qualified Mortgages. يأتي التمويل من Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta, administered through the Alabama Department of Economic and Community Affairs (ADECA).

يقدم Homeownership Down Payment Assistance Program (HDPA) - Mobile County مساعدة تتراوح بين $1,000 و$50,000. يمكن الجمع بين البرنامج ومساعدات أخرى، وفقًا لقواعد كل منها. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Homeownership Down Payment Assistance Program (HDPA) - Mobile County بعد 10 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Interest-free deferred loan forgiven over up to ten years; homebuyer must maintain the home as their primary residence. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Homeownership Down Payment Assistance Program (HDPA) - Mobile County مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر Homebuyer counseling required. شرط الإقامة: Property must be a single-family dwelling within designated Mobile County municipalities (Bayou La Batre, Chickasaw, Citronelle, Creola, Saraland, Satsuma, Semmes, Mount Vernon, Prichard) and unincorporated areas. Homes within the City of Mobile or the Town of Dauphin Island are NOT eligible. Priority to applicants who were Mobile County residents at the time of Hurricanes Sally & Zeta (Sept. 11-16, 2020 and Oct. 28-29, 2020). الجنسية أو وضع الهجرة: U.S. citizens or qualified aliens eligible for federal benefits under PRWORA (1996). DISTINCT from the already-cataloged Mobile County 'First Time Home Buyers Program' (the standard HOME DPA up to $25,000). This HDPA is the CDBG-DR disaster-recovery product (up to $50,000) and is currently OPEN/accepting applications (2026 flyers). Excludes City of Mobile and Dauphin Island. Home value limits updated beginning April 1, 2026 (exact dollar figure not on flyer). Min credit score and DTI not published.

يحدد Homeownership Down Payment Assistance Program (HDPA) - Mobile County دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. 2026 HUD income limits (household must be at or below 80% AMI for Mobile County, revised annually): 1 person $69,950; 2 $79,950; 3 $89,950; 4 $99,950; 5 $107,950; 6 $115,950; 7 $123,950; 8 $131,950. (Disaster-recovery eligibility references up to 120% AMI for storm-impacted applicants.). 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 Down Payment Assistance Program (HDPA) - Mobile County حدًا لسعر الشراء على النحو التالي: Home value limits updated beginning April 1, 2026 (specific dollar limit not stated on the flyer). تشمل أنواع العقارات المؤهلة Single Family.

يخدم Homeownership Down Payment Assistance Program (HDPA) - Mobile County مشتري المنازل الذين يشترون في مقاطعة Mobile، Alabama. يستهدف البرنامج مناطق محددة: Priority to low- and moderate-income homeowners and renters impacted by 2020 Hurricanes Sally & Zeta; eligible only in designated Mobile County municipalities and unincorporated areas (excluding City of Mobile and Dauphin Island).

تُقدَّم طلبات Homeownership Down Payment Assistance Program (HDPA) - Mobile County عبر Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Apply by calling the Mobile County Grants Department at (251) 574-5065. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.