PHA Opening Doors to Affordable Homeownership Program (ODAHP)

PHA Opening Doors to Affordable Homeownership Program (ODAHP) é uma segunda hipoteca para compradores de imóveis em Philadelphia, Pennsylvania, administrado por Philadelphia Housing Authority (PHA), Homeownership Department. 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. Os recursos vêm de PHA Moving to Work funding.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) oferece até $50,000 de ajuda. Os valores são os máximos publicados pelo programa, não uma oferta — Philadelphia Housing Authority (PHA), Homeownership Department define qualquer ajuda individual.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) é perdoado após 20 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por Default that is not cured during the 20-year recapture period; the amount PHA recoups decreases 5% annually over the term. A ajuda é registrada como ônus em posição 2. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) é aberto a compradores do primeiro imóvel. “Comprador do primeiro imóvel” geralmente significa não ter tido um imóvel próprio nos últimos três anos, mas o programa define seu próprio conceito. É exigido um curso de educação para compradores de imóveis. Requisito de residência: 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) atende compradores de imóveis que compram em Philadelphia, Pennsylvania.

As inscrições para PHA Opening Doors to Affordable Homeownership Program (ODAHP) são feitas por meio de Philadelphia Housing Authority (PHA), Homeownership Department, 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.