Pinal County HOME Homeownership / Down Payment Assistance Program

Pinal County HOME Homeownership / Down Payment Assistance Program é um empréstimo perdoável para compradores de imóveis em Condado de Pinal, Arizona, administrado por Pinal County Office of Budget & Finance (Grants Division). 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. Os recursos vêm de HUD HOME Investment Partnerships Program (HOME) funds; Pinal County is a HUD Entitlement/Urban County (designated 2019).

Pinal County HOME Homeownership / Down Payment Assistance Program é um empréstimo perdoável, então o saldo é perdoado assim que as condições do programa forem cumpridas. O reembolso é acionado por 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. A ajuda é registrada como ônus em posição Second (recorded Deed of Trust + Promissory Note behind the first-position mortgage). As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Pinal County HOME Homeownership / Down Payment Assistance Program é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Requisito de residência: Property must be located within Pinal County. Cidadania ou situação imigratória: 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 Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Pinal County HOME Homeownership / Down Payment Assistance Program limita o preço de compra assim: 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). Os tipos de imóvel elegíveis incluem Single Family, Condo, Manufactured e 2-4 Unit. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Pinal County HOME Homeownership / Down Payment Assistance Program atende compradores de imóveis que compram em Condado de Pinal, Arizona.

As inscrições para Pinal County HOME Homeownership / Down Payment Assistance Program são feitas por meio de Pinal County Office of Budget & Finance (Grants Division), que publica as condições atuais e as etapas da inscrição no próprio site. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.