Arizona is Home Mortgage Assistance Program

Arizona is Home Mortgage Assistance Program es un segundo préstamo diferido para compradores de vivienda en Statewide, Arizona. Governor Hobbs' Arizona is Home -- Mortgage Assistance Program is a collaboration between the Arizona Department of Housing (ADOH) and AzIDA targeted to rural Arizona counties. Eligible buyers receive a below-market 30-year fixed-rate first mortgage funded with tax-exempt mortgage revenue bonds, plus 4% of the first mortgage amount in DPA structured as a no-interest, no-payment deferred soft second mortgage. For 2026, the second is NON-FORGIVABLE -- entire balance due upon sale, refinance, or transfer. Available in 13 rural counties; not offered in Maricopa or Pima counties or in Chino Valley, AZ. New reservations open April 6, 2026 with $55M annual funding cap. Below-market 30-year fixed-rate first mortgage paired with a 4% non-forgivable, no-interest, no-payment deferred soft second mortgage. Recapture-tax reimbursement provided by AzIDA. AzIDA has delivered $4.5B+ in affordable housing bond financing and assisted 37,000+ Arizona homebuyers across both DPA programs. Los fondos provienen de Tax-exempt mortgage revenue bonds issued by AzIDA in collaboration with the Arizona Department of Housing (ADOH).

Arizona is Home Mortgage Assistance Program es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. El reembolso se activa por Sale, refinance, transfer of title, or non-occupancy as principal residence -- entire DPA balance due (non-forgivable for 2026). La ayuda se registra con un gravamen en posición 2nd. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Arizona is Home Mortgage Assistance Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Qualified Veterans and purchases within IRS-Designated Targeted Areas are exempt from the 3-year first-time-homebuyer rule. Sobre el crédito, el programa indica: 640 minimum (all loan products: FHA, VA, USDA, HUD-184 Tribal, Fannie Mae HFA Preferred, Freddie Mac HFA Advantage). Se requiere un curso de educación para compradores de vivienda, a través de AzIDA-approved online providers (eHome America, Framework, Money Management International) or any HUD-certified in-person counseling agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/. Requisito de residencia: Property must be borrower's principal residence; must be located in an eligible Arizona county (excludes Maricopa, Pima, and Chino Valley). Ciudadanía o situación migratoria: U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per AUS findings of underlying first mortgage. First-time homebuyer (no ownership in prior 3 years); exceptions for Qualified Veterans and purchases in IRS-Designated Targeted Areas. Borrower must complete pre-purchase homebuyer education before closing. Tax-exempt mortgage revenue bond program -- IRS Federal Recapture Tax may apply if home sold within 9 years (AzIDA reimburses borrower for any actual recapture tax paid). Annual funding cap of $55 million for 2026; program pauses when funds exhausted.

Arizona is Home Mortgage Assistance Program limita el ingreso del hogar al 100% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Annual household income at or below 100% AMI (temporary increase from 80% AMI; effective Oct 1, 2024). 2026 county limits (1-2 person household): Apache $55,300; Cochise $71,200; Coconino $101,900; Gila $76,100; Graham $81,100; Greenlee $88,400; La Paz $66,700; Mohave $73,800; Navajo $67,200; Pinal $109,600; Santa Cruz $66,100; Yavapai $87,300; Yuma $76,200. Maricopa and Pima counties not eligible (use HOME+PLUS instead). El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Arizona is Home Mortgage Assistance Program limita el precio de compra a $481,176. Los tipos de propiedad elegibles incluyen Single-family detached, townhome, condo (warrantable), 1-unit, planned unit development (PUD), manufactured home (1976 or newer, on permanent foundation). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Arizona is Home Mortgage Assistance Program menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

Arizona is Home Mortgage Assistance Program atiende a compradores de vivienda que compran en Statewide, Arizona. El programa se dirige a áreas específicas: IRS-Designated Targeted Areas within eligible counties allow waiver of the first-time-homebuyer requirement and offer higher purchase price/income limits per IRS Section 143 mortgage revenue bond rules.

Las solicitudes de Arizona is Home Mortgage Assistance Program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.