Homeownership Down Payment Assistance Program (HDPA) - Mobile County

Ang Homeownership Down Payment Assistance Program (HDPA) - Mobile County ay isang loan na mapapatawad para sa mga bibili ng bahay sa Mobile County, Alabama, na pinangangasiwaan ng Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA). Mobile County's Homeownership Down Payment Assistance Program (HDPA) is a CDBG-DR (Hurricanes Sally & Zeta) program administered through ADECA that provides up to $50,000 (minimum $1,000) toward the purchase of a single-family home in designated Mobile County municipalities and unincorporated areas. Assistance is an interest-free deferred loan forgiven over up to ten years as long as the home remains the buyer's primary residence. The program prioritizes low- and moderate-income households impacted by the 2020 storms but also welcomes others on the path to homeownership; properties within the City of Mobile and Town of Dauphin Island are excluded. Up to $50,000 in assistance (minimum $1,000). 0% interest, forgiven over up to 10 years. Open to non-first-time buyers and storm-impacted households. Works with conventional, FHA, VA, and USDA Qualified Mortgages. Ang pondo ay mula sa Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta, administered through the Alabama Department of Economic and Community Affairs (ADECA).

Nag-aalok ang Homeownership Down Payment Assistance Program (HDPA) - Mobile County ng tulong mula $1,000 hanggang $50,000. 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 Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Homeownership Down Payment Assistance Program (HDPA) - Mobile County pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Interest-free deferred loan forgiven over up to ten years; homebuyer must maintain the home as their primary residence. 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 Down Payment Assistance Program (HDPA) - Mobile County sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Homebuyer counseling required. Requirement sa paninirahan: Property must be a single-family dwelling within designated Mobile County municipalities (Bayou La Batre, Chickasaw, Citronelle, Creola, Saraland, Satsuma, Semmes, Mount Vernon, Prichard) and unincorporated areas. Homes within the City of Mobile or the Town of Dauphin Island are NOT eligible. Priority to applicants who were Mobile County residents at the time of Hurricanes Sally & Zeta (Sept. 11-16, 2020 and Oct. 28-29, 2020). Citizenship o katayuan sa imigrasyon: U.S. citizens or qualified aliens eligible for federal benefits under PRWORA (1996). DISTINCT from the already-cataloged Mobile County 'First Time Home Buyers Program' (the standard HOME DPA up to $25,000). This HDPA is the CDBG-DR disaster-recovery product (up to $50,000) and is currently OPEN/accepting applications (2026 flyers). Excludes City of Mobile and Dauphin Island. Home value limits updated beginning April 1, 2026 (exact dollar figure not on flyer). Min credit score and DTI not published.

Nililimitahan ng Homeownership Down Payment Assistance Program (HDPA) - Mobile County ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 2026 HUD income limits (household must be at or below 80% AMI for Mobile County, revised annually): 1 person $69,950; 2 $79,950; 3 $89,950; 4 $99,950; 5 $107,950; 6 $115,950; 7 $123,950; 8 $131,950. (Disaster-recovery eligibility references up to 120% AMI for storm-impacted applicants.). 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 Down Payment Assistance Program (HDPA) - Mobile County ang presyo ng pagbili: Home value limits updated beginning April 1, 2026 (specific dollar limit not stated on the flyer). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Homeownership Down Payment Assistance Program (HDPA) - Mobile County ang mga bibili ng bahay sa Mobile County, Alabama. Tinutukoy ng programa ang mga partikular na lugar: Priority to low- and moderate-income homeowners and renters impacted by 2020 Hurricanes Sally & Zeta; eligible only in designated Mobile County municipalities and unincorporated areas (excluding City of Mobile and Dauphin Island).

Dumadaan sa Mobile County Grants Department (CDBG-DR via Alabama Department of Economic and Community Affairs / ADECA) ang mga aplikasyon para sa Homeownership Down Payment Assistance Program (HDPA) - Mobile County, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply by calling the Mobile County Grants Department at (251) 574-5065. 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.