HOME+PLUS Home Buyer Down Payment Assistance Program

Ang HOME+PLUS Home Buyer Down Payment Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Statewide, Arizona. HOME+PLUS is AzIDA's flagship statewide down payment assistance program -- a 30-year fixed-rate first mortgage paired with a tiered, forgivable second-mortgage DPA of 0%, 2%, 3%, 4%, or 5% of the first-mortgage amount depending on first-mortgage product, credit profile, and rate option. The DPA second is no-interest, no-payment, and forgiven in full after 60 months / 5 years. Self-funded through national capital markets and program operations -- never out of money, no sunset date. Available statewide in all Arizona counties, cities, and ZIP codes. Not limited to first-time buyers. Has assisted 37,000+ Arizona homebuyers since program inception. 30-year fixed-rate first mortgage with up to 5% DPA structured as a forgivable, no-interest, no-payment second mortgage forgiven after 60 months. Reduced mortgage-insurance premiums on Fannie Mae HFA Preferred / Freddie Mac HFA Advantage conventional loans. Year-round availability with no funding sunset. statewide in all 15 Arizona counties. Not a first-time-homebuyer program -- repeat buyers eligible. AzIDA has assisted 37,000+ Arizona homebuyers. Ang pondo ay mula sa Self-funded via national capital markets (mortgage-backed securities) plus program operating income; true public-private partnership without taxpayer funds.

Pinapatawad ang HOME+PLUS Home Buyer Down Payment Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, refinance, transfer, or non-occupancy within first 60 months -- entire DPA balance repaid at after 60 months DPA fully forgiven. 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 HOME+PLUS Home Buyer Down Payment Assistance Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: 640 minimum across most products (lender overlays may apply); Fannie Mae HFA Preferred and Freddie Mac HFA Advantage typically require 640+. 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 agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/. Requirement sa paninirahan: Property must be borrower's principal residence and located in Arizona. Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per first-mortgage AUS findings. Pre-purchase homebuyer education required for at least one borrower before closing. Property must be borrower-occupied primary residence. DPA second is fully forgiven after 60 months of occupancy; if home is sold or first mortgage refinanced within 60 months, the entire DPA second balance must be repaid. AzIDA does NOT subordinate the DPA second mortgage and grants no exceptions to repayment terms.

Nililimitahan ng HOME+PLUS Home Buyer Down Payment Assistance Program ang kita ng sambahayan sa $155,386. 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 HOME+PLUS Home Buyer Down Payment Assistance Program ang presyo ng pagbili: No AzIDA-imposed purchase-price cap on HOME+PLUS (program is not a tax-exempt bond program); subject only to first-mortgage product loan limits (FHA county limits, conforming loan limit for conventional, VA/USDA limits, etc.). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, townhome, warrantable condo, PUD, 1-unit, manufactured home (1976+ on permanent foundation). Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng HOME+PLUS Home Buyer Down Payment Assistance Program ang mga bibili ng bahay sa Statewide, Arizona.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa HOME+PLUS Home Buyer 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 Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served; year-round 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.