Homeownership Assistance Program (HAP) - Baldwin County

Ang Homeownership Assistance Program (HAP) - Baldwin County ay isang loan na mapapatawad para sa mga bibili ng bahay sa Baldwin County, Alabama, na pinangangasiwaan ng Baldwin County Commission Grants Department (CDBG-DR via ADECA). Baldwin County's Homeownership Assistance Program (HAP) is a CDBG-DR program (Hurricanes Sally & Zeta) that helps low- to moderate-income, disaster-impacted households close the affordability gap to homeownership with a need-based forgivable 2nd mortgage of up to $85,000 per household. The award has no monthly payments and no interest, and is forgiven after five years of primary occupancy with current insurance and taxes. Funds can cover down payment (up to 100% of the down payment, capped at 20% of purchase price), closing costs, inspections, interest-rate buydown, and buyer's agent commission. Forgivable 2nd mortgage up to $85,000. 0% interest, no monthly payments, forgiven after 5 years. Covers down payment, closing costs, inspections, interest-rate buydown, and buyer's agent commission. Case management and homebuyer education support. Grant funding available through October 2028. Ang pondo ay mula sa Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta (2020), administered through Baldwin County Commission; grant available through October 2028 or until funds are fully awarded.

Nag-aalok ang Homeownership Assistance Program (HAP) - Baldwin County ng tulong na hanggang $85,000. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Baldwin County Commission Grants Department (CDBG-DR via ADECA) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Homeownership Assistance Program (HAP) - Baldwin County pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Forgivable 2nd mortgage with no monthly payments and no interest accrual; forgiven after 5 years of ownership with primary occupancy and up-to-date insurance and taxes. Nakatala ang tulong bilang lien sa posisyong Second. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Homeownership Assistance Program (HAP) - Baldwin County sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified housing counseling program; homebuyer education course required (list of providers on program handout). Requirement sa paninirahan: Applicant must have been a Baldwin County resident (renter or homeowner), or in the process of purchasing a home in the county, at the time of the 2020 disasters; must maintain primary residency for a minimum of 5 years. Property must be within Baldwin County and in Flood Zone X. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified alien. NOT YET ACCEPTING APPLICATIONS as of June 7, 2026 - online application portal anticipated to open Summer 2026 (pending final ADECA approval); public information meetings held May 18 and June 3, 2026. Included as an actively-launching program. Property must be in Flood Zone X. Total debt-to-income should not exceed 42%; housing debt not to exceed 30% of income. Applicant must contribute a minimum $500 to closing costs.

Nililimitahan ng Homeownership Assistance Program (HAP) - Baldwin County ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 2026 income limits for Baldwin County Metro Area at 80% of Area Median: 1 person $57,300; 2 $65,450; 3 $81,800; 4 $88,350; 5 $94,900; 6 $101,450; 7 $101,450; 8 $108,000. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng Homeownership Assistance Program (HAP) - Baldwin County ang presyo ng pagbili: Appraisal report must be greater than or equal to the purchase price; no fixed maximum purchase price stated. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Homeownership Assistance Program (HAP) - Baldwin County ang mga bibili ng bahay sa Baldwin County, Alabama. Tinutukoy ng programa ang mga partikular na lugar: Targeted to disaster-impacted, low-income households who lived in Baldwin County at the time of the 2020 Hurricanes Sally & Zeta.

Dumadaan sa Baldwin County Commission Grants Department (CDBG-DR via ADECA) ang mga aplikasyon para sa Homeownership Assistance Program (HAP) - Baldwin County, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Online application portal (anticipated to open Summer 2026); case manager assigned after initial eligibility determination. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.