Arizona is Home Mortgage Assistance Program

Ang Arizona is Home Mortgage Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, Arizona. Governor Hobbs' Arizona is Home -- Mortgage Assistance Program is a collaboration between the Arizona Department of Housing (ADOH) and AzIDA targeted to rural Arizona counties. Eligible buyers receive a below-market 30-year fixed-rate first mortgage funded with tax-exempt mortgage revenue bonds, plus 4% of the first mortgage amount in DPA structured as a no-interest, no-payment deferred soft second mortgage. For 2026, the second is NON-FORGIVABLE -- entire balance due upon sale, refinance, or transfer. Available in 13 rural counties; not offered in Maricopa or Pima counties or in Chino Valley, AZ. New reservations open April 6, 2026 with $55M annual funding cap. Below-market 30-year fixed-rate first mortgage paired with a 4% non-forgivable, no-interest, no-payment deferred soft second mortgage. Recapture-tax reimbursement provided by AzIDA. AzIDA has delivered $4.5B+ in affordable housing bond financing and assisted 37,000+ Arizona homebuyers across both DPA programs. Ang pondo ay mula sa Tax-exempt mortgage revenue bonds issued by AzIDA in collaboration with the Arizona Department of Housing (ADOH).

Ipinagpaliban ang Arizona is Home Mortgage Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, refinance, transfer of title, or non-occupancy as principal residence -- entire DPA balance due (non-forgivable for 2026). Nakatala ang tulong bilang lien sa posisyong 2nd. 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 Arizona is Home Mortgage Assistance Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Qualified Veterans and purchases within IRS-Designated Targeted Areas are exempt from the 3-year first-time-homebuyer rule. Tungkol sa credit, sinasabi ng programa: 640 minimum (all loan products: FHA, VA, USDA, HUD-184 Tribal, Fannie Mae HFA Preferred, Freddie Mac HFA Advantage). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng AzIDA-approved online providers (eHome America, Framework, Money Management International) or any HUD-certified in-person counseling agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/. Requirement sa paninirahan: Property must be borrower's principal residence; must be located in an eligible Arizona county (excludes Maricopa, Pima, and Chino Valley). Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per AUS findings of underlying first mortgage. First-time homebuyer (no ownership in prior 3 years); exceptions for Qualified Veterans and purchases in IRS-Designated Targeted Areas. Borrower must complete pre-purchase homebuyer education before closing. Tax-exempt mortgage revenue bond program -- IRS Federal Recapture Tax may apply if home sold within 9 years (AzIDA reimburses borrower for any actual recapture tax paid). Annual funding cap of $55 million for 2026; program pauses when funds exhausted.

Nililimitahan ng Arizona is Home Mortgage Assistance Program ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Annual household income at or below 100% AMI (temporary increase from 80% AMI; effective Oct 1, 2024). 2026 county limits (1-2 person household): Apache $55,300; Cochise $71,200; Coconino $101,900; Gila $76,100; Graham $81,100; Greenlee $88,400; La Paz $66,700; Mohave $73,800; Navajo $67,200; Pinal $109,600; Santa Cruz $66,100; Yavapai $87,300; Yuma $76,200. Maricopa and Pima counties not eligible (use HOME+PLUS instead). 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.

Nililimitahan ng Arizona is Home Mortgage Assistance Program ang presyo ng pagbili sa $481,176. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, townhome, condo (warrantable), 1-unit, planned unit development (PUD), manufactured home (1976 or newer, on permanent foundation). Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Arizona is Home Mortgage Assistance Program ang mga beterano sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng Arizona is Home Mortgage Assistance Program ang mga bibili ng bahay sa Statewide, Arizona. Tinutukoy ng programa ang mga partikular na lugar: IRS-Designated Targeted Areas within eligible counties allow waiver of the first-time-homebuyer requirement and offer higher purchase price/income limits per IRS Section 143 mortgage revenue bond rules.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Arizona is Home Mortgage Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served. 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.