PHA Opening Doors to Affordable Homeownership Program (ODAHP)

PHA Opening Doors to Affordable Homeownership Program (ODAHP)은(는) Philadelphia, Pennsylvania 주택 구매자를 위한 후순위 모기지이며, Philadelphia Housing Authority (PHA), Homeownership Department에서 운영합니다. The Opening Doors to Affordable Homeownership Program consolidates the Philadelphia Housing Authority's homeownership initiatives under its Homeownership Department: the Section 5h scattered sites program, the Housing Choice Voucher homeownership program, and newer financing options. Participants work with PHA's Homeownership Department to review their financial status, credit standing and household goals, and must complete approved homeownership counseling and financial literacy courses. Participants choose one form of financing support. A soft second mortgage of up to a maximum of $50,000 per household may be provided, provided that the household is not receiving other PHA homeownership assistance. In lieu of monthly voucher assistance, participants may instead take one-time down payment assistance up to a maximum of $15,000 per household. A lease to purchase option escrows a portion of the tenant rent during the lease period and applies it to the down payment at the time of purchase. Households may alternatively keep monthly Housing Assistance Payments for up to 15 or 30 years. PHA authorizes only the minimum amount needed to close the affordability gap based on individual household circumstances. Residents in PHA's homeownership pipeline are encouraged to enroll in the Turn the Key program, where PHA residents receive first preference for homeownership units built on land PHA transferred to the City Land Bank. 재원은 PHA Moving to Work funding에서 나옵니다.

PHA Opening Doors to Affordable Homeownership Program (ODAHP)은(는) 최대 $50,000의 지원을 제공합니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Philadelphia Housing Authority (PHA), Homeownership Department에서 정합니다.

PHA Opening Doors to Affordable Homeownership Program (ODAHP)은(는) 20년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Default that is not cured during the 20-year recapture period; the amount PHA recoups decreases 5% annually over the term. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

PHA Opening Doors to Affordable Homeownership Program (ODAHP)의 대상: 생애 첫 주택 구매자. "생애 첫 주택 구매자"는 보통 지난 세 해 동안 집을 소유한 적이 없다는 뜻이지만, 프로그램마다 자체 정의를 정합니다. 주택 구매자 교육 이수가 필요합니다. 거주 요건: Open to Philadelphia Housing Authority public housing residents and Housing Choice Voucher program participants. Participants must meet all program eligibility requirements, including successful completion of approved homeownership counseling and financial literacy courses. The soft second mortgage option is available provided that the household is not receiving other PHA homeownership assistance. Participants receiving down payment assistance or a soft second mortgage are not recertified. PHA staff work to maximize household eligibility for other non-PHA down payment and closing cost assistance. If demand exceeds available budget, PHA establishes a wait list based on date and time of application. PHA ceased new enrollments in the Public Housing Section 5h scattered-sites program during FY 2026.

PHA Opening Doors to Affordable Homeownership Program (ODAHP)은(는) Philadelphia, Pennsylvania에서 주택을 구매하는 주택 구매자를 지원합니다.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) 신청은 Philadelphia Housing Authority (PHA), Homeownership Department을(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.