Community Homebuyer Assistance Program (CHAP)

Community Homebuyer Assistance Program (CHAP) هو قرض ثانٍ مؤجَّل لمشتري المنازل في Flagstaff، Arizona. The Community Homebuyer Assistance Program (CHAP) is the City of Flagstaff's flagship locally funded homebuyer assistance program, financed by the City's Housing Bond and administered through Housing Solutions of Northern Arizona (HSNA). CHAP supports first-time / first-time-equivalent homebuyers purchasing within Flagstaff city limits by reducing upfront costs and expanding long-term affordability. CHAP offers two pathways: Option 1 - Home Purchase Assistance: up to $50,000 in 10:1 matching deferred-payment, 0%-interest second-lien funds for households up to 150% AMI ($5,000 buyer contribution required); the loan is repaid through an equity-share formula on sale, transfer, cash-out refinance, or loss of owner-occupancy. Option 2 - Permanent Affordability Pilot: deeper assistance equal to 30% of purchase price (no repayment) for households up to 125% AMI on homes priced at or below $600,000, in exchange for a 99-year renewable ground lease or deed restriction; on resale, sellers retain up to 25% of market appreciation while the remainder stays in the home as public investment. Applicants must have lived or worked in the Flagstaff Metropolitan Planning Organization (FMPO) boundary for at least 12 consecutive months and not have owned a Flagstaff home in the past three years. Up to $50,000 per household in 10:1 matching down payment and closing cost assistance ($5,000 buyer contribution unlocks $50,000 in CHAP assistance). Structured as a 0% interest deferred-payment second lien with no monthly payments while owner-occupied. repaid via equity-share formula at sale, transfer, cash-out refinance, or loss of owner-occupancy. A separate Permanent Affordability Pilot (Option 2) offers 30% of purchase price with no repayment in exchange for a 99-year ground lease/deed restriction limiting resale to 25% of market appreciation. يأتي التمويل من Local Government وHousing Bond.

Community Homebuyer Assistance Program (CHAP) مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Option 1: Sale, transfer, cash-out refinance, or loss of owner-occupancy (repayment via equity-share formula, no forgiveness). Option 2: Resale governed by deed restriction / ground lease وseller retains up to 25% of appreciation. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (typically 2nd lien). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Community Homebuyer Assistance Program (CHAP) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Applicant must not have owned a home in Flagstaff within the past three years; ownership of a home outside Flagstaff is permitted. بشأن الائتمان، ينص البرنامج على: No published minimum; first mortgage lender's underwriting standards apply (program requires applicant be 'mortgage-eligible based on credit and employment'). يلزم إكمال دورة لمشتري المنازل، عبر Housing Solutions of Northern Arizona. شرط الإقامة: Must have lived OR worked within the Flagstaff Metropolitan Planning Organization (FMPO) boundary for at least 12 consecutive months prior to purchase; purchased home must be within Flagstaff city limits. Applicant must not have owned a home in Flagstaff within the past three years (treated as first-time-buyer-equivalent). Must have lived OR worked within the Flagstaff Metropolitan Planning Organization (FMPO) boundary for at least 12 consecutive months prior to purchase. Property must be located within Flagstaff city limits and used as primary residence. Household income must not exceed 150% of Coconino County AMI (Option 1) or 125% AMI (Option 2 Permanent Affordability Pilot). Buyer must contribute at least $5,000 of own funds for the 10:1 match (Option 1). Permanent Affordability pathway requires housing ratio at or below 35% and DTI at or below 45% (up to 50% with City approval) and home price at or below $600,000. Applicants apply through HSNA, complete homebuyer counseling, and choose between Option 1 OR Option 2 (not both). Subordination requests handled by City staff (Marissa.Molloy@FlagstaffAZ.gov).

يحدد Community Homebuyer Assistance Program (CHAP) دخل الأسرة بما لا يتجاوز 150% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Option 1 (Home Purchase Assistance): household gross income at or below 150% of Coconino County AMI per City's annual AMI table. Option 2 (Permanent Affordability Pilot): at or below 125% AMI. The program's source-data income range of $92,000-$141,875 corresponds to typical 80%-150% AMI brackets at varying household sizes for Coconino County (FY2025 HUD AMI 4-person 100% = ~$94,500; 150% 4-person = ~$141,750). 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 Community Homebuyer Assistance Program (CHAP) حدًا لسعر الشراء على النحو التالي: Option 1: no published cap. Option 2 (Permanent Affordability Pilot): purchase price must be at or below $600,000. تشمل أنواع العقارات المؤهلة Single-Family، Townhome وCondo. المنازل حديثة البناء مؤهلة.

يخدم Community Homebuyer Assistance Program (CHAP) مشتري المنازل الذين يشترون في Flagstaff، Arizona. يستهدف البرنامج مناطق محددة: Properties must be purchased within the City of Flagstaff city limits; applicant residency/employment tie-back to Flagstaff Metropolitan Planning Organization (FMPO) boundary.

تُقدَّم طلبات Community Homebuyer Assistance Program (CHAP) عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Open enrollment via Housing Solutions of Northern Arizona; complete the HSNA pre-purchase application (English/Spanish PDF) and submit by email (angelak@housingnaz.org), mail (PO Box 30134, Flagstaff, AZ 86003), or in person; HSNA schedules one-on-one counseling and reserves CHAP funds after a signed purchase contract. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.