Pinal County HOME Homeownership / Down Payment Assistance Program

Pinal County HOME Homeownership / Down Payment Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Pinal، Arizona، وتديره Pinal County Office of Budget & Finance (Grants Division). Pinal County, a HUD-designated entitlement/urban county since 2019, uses HOME Investment Partnership Program funds for homeownership assistance. Direct assistance to income-eligible buyers can take the form of down payment/closing cost assistance, a subordinate second loan to lower the first mortgage to an affordable payment, or a HOME mortgage provided directly to the buyer; the County also funds developers that build/rehab affordable homes for sale. Direct homebuyer assistance is a non-interest-bearing Forgivable Deferred Payment Loan secured by a recorded deed of trust and forgiven over a 5-, 10-, or 15-year affordability period tied to the subsidy amount. All assisted households must be at or below 80% AMI and occupy the home as their principal residence. يأتي التمويل من HUD HOME Investment Partnerships Program (HOME) funds; Pinal County is a HUD Entitlement/Urban County (designated 2019).

Pinal County HOME Homeownership / Down Payment Assistance Program قرض قابل للإعفاء، لذا يُعفى من الرصيد بمجرد استيفاء شروط البرنامج. يُستحق السداد عند Sale of the property, transfer/change of title, or failure to occupy as principal residence during the affordability period. Upon a triggering sale during the affordability period the County recaptures the entire direct subsidy, limited to available net proceeds. تُسجَّل المساعدة في مرتبة الرهن: Second (recorded Deed of Trust + Promissory Note behind the first-position mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Pinal County HOME Homeownership / Down Payment Assistance Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. شرط الإقامة: Property must be located within Pinal County. الجنسية أو وضع الهجرة: HOME program rules apply (assistance limited to eligible households per federal HOME requirements). Direct down payment assistance is available 'when the county has an active program' - availability depends on current funding cycles and the County's Annual Action Plan priorities. Minimum HOME investment $1,000/unit; maximum set by HUD (240% of Section 234 per-unit limits). Buyer must be evaluated for ability to afford the mortgage. Deed restriction recorded for the affordability period; County monitors residency and recaptures on resale/title change.

يحدد Pinal County HOME Homeownership / Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Gross annual household income at or below 80% of Area Median Income (AMI). Uses Phoenix-Mesa-Scottsdale MSA HUD income limits, the 24 CFR Part 5 Annual Income definition, and the HUD CPD Income Eligibility Calculator. 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 Pinal County HOME Homeownership / Down Payment Assistance Program حدًا لسعر الشراء على النحو التالي: Purchase price may not exceed 95% of the area median purchase price for the applicable single-family housing type (HUD HOME Homeownership Value Limits, updated annually). تشمل أنواع العقارات المؤهلة Single Family، Condo، Manufactured و2-4 Unit. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Pinal County HOME Homeownership / Down Payment Assistance Program مشتري المنازل الذين يشترون في مقاطعة Pinal، Arizona.

تُقدَّم طلبات Pinal County HOME Homeownership / Down Payment Assistance Program عبر Pinal County Office of Budget & Finance (Grants Division)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.