HOME+PLUS Home Buyer Down Payment Assistance Program

HOME+PLUS Home Buyer Down Payment Assistance Program es un préstamo condonable para compradores de vivienda en 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. Los fondos provienen de Self-funded via national capital markets (mortgage-backed securities) plus program operating income; true public-private partnership without taxpayer funds.

HOME+PLUS Home Buyer Down Payment Assistance Program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Sale, refinance, transfer, or non-occupancy within first 60 months -- entire DPA balance repaid y after 60 months DPA fully forgiven. 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.

HOME+PLUS Home Buyer Down Payment Assistance Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 640 minimum across most products (lender overlays may apply); Fannie Mae HFA Preferred and Freddie Mac HFA Advantage typically require 640+. 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 agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/. Requisito de residencia: Property must be borrower's principal residence and located in Arizona. Ciudadanía o situación migratoria: 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.

HOME+PLUS Home Buyer Down Payment Assistance Program limita el ingreso del hogar a $155,386. 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.

HOME+PLUS Home Buyer Down Payment Assistance Program limita el precio de compra así: 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.). Los tipos de propiedad elegibles incluyen Single-family detached, townhome, warrantable condo, PUD, 1-unit, manufactured home (1976+ on permanent foundation). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

HOME+PLUS Home Buyer Down Payment Assistance Program atiende a compradores de vivienda que compran en Statewide, Arizona.

Las solicitudes de HOME+PLUS Home Buyer Down Payment 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; year-round availability. 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.