City of Albuquerque Affordable Homeownership Assistance

City of Albuquerque Affordable Homeownership Assistance هو قرض ثانٍ مؤجَّل لمشتري المنازل في Albuquerque، New Mexico، وتديره City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust). Since 2018 the City of Albuquerque has contracted annually with local nonprofits to provide down-payment assistance of up to $40,000 to low- and moderate-income homebuyers purchasing a home in Albuquerque. The program is funded with federal CDBG and HOME funds and the City's Workforce Housing Trust Fund through the City's Consolidated Plan / Annual Action Plan, and is delivered through nonprofit subrecipients Homewise and Sawmill Community Land Trust. The City has allocated roughly $1 million per year to the program; the PY2025 Action Plan budgets CDBG $1,279,000, CDBG Program Income $21,000, and HOME Program Income $100,000 to Affordable Homeownership Assistance. Down-payment assistance up to $40,000 for income-qualified buyers purchasing within the City of Albuquerque; paired with homebuyer education and counseling through the delivering nonprofits. يأتي التمويل من U.S. HUD Community Development Block Grant (CDBG) and HOME Investment Partnerships funds, plus the City of Albuquerque Workforce Housing Trust Fund, administered through the City's Consolidated Plan / Annual Action Plan.

يقدم City of Albuquerque Affordable Homeownership Assistance مساعدة تصل إلى $40,000. يمكن الجمع بين البرنامج وMay be combined with first mortgages and other assistance offered by the delivering nonprofit (e.g., Homewise mortgage products) and potentially other DPA sources, subject to subrecipient and HUD rules. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust) هي التي تحدد أي مبلغ يُمنح لكل شخص.

City of Albuquerque Affordable Homeownership Assistance مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

City of Albuquerque Affordable Homeownership Assistance مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر Homewise; Sawmill Community Land Trust (HUD-certified homebuyer education). شرط الإقامة: Property must be located within the City of Albuquerque. Program is administered by the City but delivered through nonprofit subrecipients (Homewise, Sawmill CLT); prospective buyers apply through those nonprofits, not directly to the City. The City's applicant-facing page does not publish detailed eligibility terms (income limits as a percentage/dollar, credit score, DTI, interest rate, lien position, loan term, forgiveness period, repayment trigger, fees); those are set by the delivering nonprofit and HUD CDBG/HOME rules and were left blank rather than guessed. The $40,000 maximum and ~$1M/year funding figures are from the City's affordable-housing documentation and Annual Action Plan. Assistance is subject to annual funding availability. first_time_homebuyer set false because the City program (unlike the SCLT product) is described as serving low/moderate-income homebuyers generally, not exclusively first-time buyers; confirm with the delivering nonprofit.

يحدد City of Albuquerque Affordable Homeownership Assistance حد الدخل على النحو التالي: Targeted to low- and moderate-income homebuyers per HUD CDBG/HOME income limits for the Albuquerque area; specific percentage and dollar limits are set by the delivering nonprofit subrecipient and HUD limits and were not published on the City's applicant-facing page. 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.

يمكن استخدام City of Albuquerque Affordable Homeownership Assistance لـSingle Family، Condo وTownhouse. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم City of Albuquerque Affordable Homeownership Assistance مشتري المنازل الذين يشترون في Albuquerque، New Mexico.

تُقدَّم طلبات City of Albuquerque Affordable Homeownership Assistance عبر City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Delivered by City-contracted nonprofit subrecipients. Prospective buyers contact Homewise (505-243-6566) or Sawmill Community Land Trust (505-764-0359) to apply; assistance is provided on a first-qualified basis subject to annual funding availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.