HOME+PLUS Home Buyer Down Payment Assistance Program

HOME+PLUS Home Buyer Down Payment Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في Statewide، Arizona. HOME+PLUS is AzIDA's flagship statewide down payment assistance program -- a 30-year fixed-rate first mortgage paired with a tiered, forgivable second-mortgage DPA of 0%, 2%, 3%, 4%, or 5% of the first-mortgage amount depending on first-mortgage product, credit profile, and rate option. The DPA second is no-interest, no-payment, and forgiven in full after 60 months / 5 years. Self-funded through national capital markets and program operations -- never out of money, no sunset date. Available statewide in all Arizona counties, cities, and ZIP codes. Not limited to first-time buyers. Has assisted 37,000+ Arizona homebuyers since program inception. 30-year fixed-rate first mortgage with up to 5% DPA structured as a forgivable, no-interest, no-payment second mortgage forgiven after 60 months. Reduced mortgage-insurance premiums on Fannie Mae HFA Preferred / Freddie Mac HFA Advantage conventional loans. Year-round availability with no funding sunset. statewide in all 15 Arizona counties. Not a first-time-homebuyer program -- repeat buyers eligible. AzIDA has assisted 37,000+ Arizona homebuyers. يأتي التمويل من Self-funded via national capital markets (mortgage-backed securities) plus program operating income; true public-private partnership without taxpayer funds.

يُعفى من HOME+PLUS Home Buyer Down Payment Assistance Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, refinance, transfer, or non-occupancy within first 60 months -- entire DPA balance repaid وafter 60 months DPA fully forgiven. تُسجَّل المساعدة في مرتبة الرهن: 2nd. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

HOME+PLUS Home Buyer Down Payment Assistance Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: 640 minimum across most products (lender overlays may apply); Fannie Mae HFA Preferred and Freddie Mac HFA Advantage typically require 640+. يلزم إكمال دورة لمشتري المنازل، عبر AzIDA-approved online providers (eHome America, Framework, Money Management International) or any HUD-certified in-person agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/. شرط الإقامة: Property must be borrower's principal residence and located in Arizona. الجنسية أو وضع الهجرة: U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per first-mortgage AUS findings. Pre-purchase homebuyer education required for at least one borrower before closing. Property must be borrower-occupied primary residence. DPA second is fully forgiven after 60 months of occupancy; if home is sold or first mortgage refinanced within 60 months, the entire DPA second balance must be repaid. AzIDA does NOT subordinate the DPA second mortgage and grants no exceptions to repayment terms.

يحدد HOME+PLUS Home Buyer Down Payment Assistance Program دخل الأسرة بما لا يتجاوز $155,386. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع HOME+PLUS Home Buyer Down Payment Assistance Program حدًا لسعر الشراء على النحو التالي: No AzIDA-imposed purchase-price cap on HOME+PLUS (program is not a tax-exempt bond program); subject only to first-mortgage product loan limits (FHA county limits, conforming loan limit for conventional, VA/USDA limits, etc.). تشمل أنواع العقارات المؤهلة Single-family detached, townhome, warrantable condo, PUD, 1-unit, manufactured home (1976+ on permanent foundation). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم HOME+PLUS Home Buyer Down Payment Assistance Program مشتري المنازل الذين يشترون في Statewide، Arizona.

تُقدَّم طلبات HOME+PLUS Home Buyer Down Payment Assistance Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served; year-round availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.