City of Tucson Down Payment Assistance Program

Ang City of Tucson Down Payment Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Tucson, Arizona. The City of Tucson Housing and Community Development Department offers a HOME-funded Down Payment Assistance Program to help income-qualified homebuyers purchase a primary residence within the City of Tucson and Pima County (excluding Tribal lands). Assistance is structured as a deferred-payment second mortgage with no monthly payments, secured by a deed of trust. Loans are subject to a HOME affordability period during which the principal and interest become due if the home is sold or transferred. Maximum assistance is the lesser of $50,000 or 20% of contract sales price, determined by household need and affordability. Deferred-payment second mortgage of up to $50,000 or 20% of contract sales price (whichever is less) to assist with down payment and closing costs. No monthly payments during the affordability period. Assistance amount determined by household need and affordability gap analysis. Ang pondo ay mula sa HOME, Federal, at Local Government.

Nagbibigay ang City of Tucson Down Payment Assistance Program ng tulong na katumbas ng 20% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Minimum $1,000 of buyer's own funds (documented and verified). Cost of home inspection and home warranty purchase may count toward this requirement. 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 ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang City of Tucson Down Payment Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, refinance (without subordination), or loss of owner-occupancy during the affordability period triggers repayment of principal plus accrued interest. 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 City of Tucson Down Payment Assistance Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No published minimum credit score; lender qualification standards apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Administration of Resources and Choices (ARC) - (520) 623-9383, www.arc-az.org; Chicanos Por La Causa (CPLC) - (520) 882-0018, www.cplc.org/housing; Pima County Community Land Trust - (520) 603-0587, www.pcclt.org; Primavera Foundation - (520) 882-5383, www.primavera.org. Requirement sa paninirahan: Property must be located within the City of Tucson or Pima County (excluding Tribal lands) and must be occupied as the borrower's principal residence during the affordability period. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified non-citizen as required for HOME-funded programs. Must complete HUD-certified Homebuyer Counseling at a partner agency prior to home purchase contract; contribute at least $1,000 of own funds (documented and verified) including cost of inspection; have equivalent of two months mortgage payments in reserves on deposit at a bank; no ARMs permitted; mortgage terms must be reviewed and approved by housing counselor; home warranty required; pre-1978 homes require lead-based paint inspection; property must be approved by City/County for federal environmental compliance; HUD minimum housing quality standards inspection required by state-certified inspector.

Nililimitahan ng City of Tucson Down Payment Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income must be at or below 80% HUD Area Median Income (AMI) for Tucson. Current limits per official program page: 1-person $55,900; 2-person $63,900; 3-person $71,900; 4-person $79,850; 5-person $86,250; 6-person $92,650; 7-person $99,050; 8-person $105,450. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 City of Tucson Down Payment Assistance Program ang presyo ng pagbili sa $345,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached homes, townhomes, condominiums, new construction, at existing homes meeting HUD Housing Quality Standards. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng City of Tucson Down Payment Assistance Program ang mga bibili ng bahay sa Tucson, Arizona.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa City of Tucson Down Payment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications submitted through partner counseling agencies after completing HUD-certified homebuyer counseling and securing a purchase contract; first-come, first-served subject to funding availability. 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.