PHA Opening Doors to Affordable Homeownership Program (ODAHP)

PHA Opening Doors to Affordable Homeownership Program (ODAHP) — это вторая ипотека для покупателей жилья: Philadelphia, Pennsylvania; администратор — 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. Источник финансирования: PHA Moving to Work funding.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) предоставляет до $50,000 помощи. Суммы — это опубликованные программой максимумы, а не предложение; размер каждой отдельной помощи определяет Philadelphia Housing Authority (PHA), Homeownership Department.

PHA Opening Doors to Affordable Homeownership Program (ODAHP): долг списывается через 20 лет, поэтому покупателю жилья, который проживёт в доме этот срок, возвращать ничего не нужно. Возврат требуется в случае: Default that is not cured during the 20-year recapture period; the amount PHA recoups decreases 5% annually over the term. Помощь регистрируется как залог в очереди: 2. Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

PHA Opening Doors to Affordable Homeownership Program (ODAHP) открыта для тех, кто покупает жильё впервые. «Покупатель жилья впервые» обычно означает, что человек не владел жильём последние три года, но программа устанавливает собственное определение. Обязателен курс для покупателей жилья. Требование о месте жительства: 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) помогает покупателям жилья, которые покупают в этом месте: Philadelphia, Pennsylvania.

Заявки на PHA Opening Doors to Affordable Homeownership Program (ODAHP) подаются через Philadelphia Housing Authority (PHA), Homeownership Department; агентство публикует действующие условия и порядок подачи на своём сайте. Hey Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.