HOME+PLUS Home Buyer Down Payment Assistance Program

HOME+PLUS Home Buyer Down Payment Assistance Program은(는) Statewide, Arizona 주택 구매자를 위한 탕감 가능 대출입니다. 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. 재원은 Self-funded via national capital markets (mortgage-backed securities) plus program operating income; true public-private partnership without taxpayer funds에서 나옵니다.

HOME+PLUS Home Buyer Down Payment Assistance Program은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale, refinance, transfer, or non-occupancy within first 60 months -- entire DPA balance repaid 및 after 60 months DPA fully forgiven. 지원금은 2nd 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

HOME+PLUS Home Buyer Down Payment Assistance Program의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: 640 minimum across most products (lender overlays may apply); Fannie Mae HFA Preferred and Freddie Mac HFA Advantage typically require 640+. 주택 구매자 교육 이수가 필요하며, 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/.을(를) 통해 받습니다. 거주 요건: Property must be borrower's principal residence and located in Arizona. 시민권 또는 이민 신분: 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 Program은(는) 가구 소득을 $155,386(으)로 제한합니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

HOME+PLUS Home Buyer Down Payment Assistance Program의 구매 가격 상한은 다음과 같습니다: 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.). 대상 주택 유형: Single-family detached, townhome, warrantable condo, PUD, 1-unit, manufactured home (1976+ on permanent foundation). 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

HOME+PLUS Home Buyer Down Payment Assistance Program은(는) Statewide, Arizona에서 주택을 구매하는 주택 구매자를 지원합니다.

HOME+PLUS Home Buyer Down Payment Assistance Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served; year-round availability. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.