Pinal County HOME Homeownership / Down Payment Assistance Program

Pinal County HOME Homeownership / Down Payment Assistance Program은(는) Pinal 카운티, Arizona 주택 구매자를 위한 탕감 가능 대출이며, Pinal County Office of Budget & Finance (Grants Division)에서 운영합니다. 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. 재원은 HUD HOME Investment Partnerships Program (HOME) funds; Pinal County is a HUD Entitlement/Urban County (designated 2019)에서 나옵니다.

Pinal County HOME Homeownership / Down Payment Assistance Program은(는) 탕감 가능 대출이므로, 프로그램 조건을 충족하면 잔액이 탕감됩니다. 상환 사유: 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. 지원금은 Second (recorded Deed of Trust + Promissory Note behind the first-position mortgage) 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Pinal County HOME Homeownership / Down Payment Assistance Program의 대상: 주택을 주 거주지로 사용할 주택 구매자. 거주 요건: Property must be located within Pinal County. 시민권 또는 이민 신분: 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.

Pinal County HOME Homeownership / Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. 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. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Pinal County HOME Homeownership / Down Payment Assistance Program의 구매 가격 상한은 다음과 같습니다: 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). 대상 주택 유형: Single Family, Condo, Manufactured 및 2-4 Unit. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Pinal County HOME Homeownership / Down Payment Assistance Program은(는) Pinal 카운티, Arizona에서 주택을 구매하는 주택 구매자를 지원합니다.

Pinal County HOME Homeownership / Down Payment Assistance Program 신청은 Pinal County Office of Budget & Finance (Grants Division)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.