Pinal County HOME Homeownership / Down Payment Assistance Program

Ang Pinal County HOME Homeownership / Down Payment Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Pinal County, Arizona, na pinangangasiwaan ng Pinal County Office of Budget & Finance (Grants Division). Pinal County, a HUD-designated entitlement/urban county since 2019, uses HOME Investment Partnership Program funds for homeownership assistance. Direct assistance to income-eligible buyers can take the form of down payment/closing cost assistance, a subordinate second loan to lower the first mortgage to an affordable payment, or a HOME mortgage provided directly to the buyer; the County also funds developers that build/rehab affordable homes for sale. Direct homebuyer assistance is a non-interest-bearing Forgivable Deferred Payment Loan secured by a recorded deed of trust and forgiven over a 5-, 10-, or 15-year affordability period tied to the subsidy amount. All assisted households must be at or below 80% AMI and occupy the home as their principal residence. Ang pondo ay mula sa HUD HOME Investment Partnerships Program (HOME) funds; Pinal County is a HUD Entitlement/Urban County (designated 2019).

Ang Pinal County HOME Homeownership / Down Payment Assistance Program ay isang loan na mapapatawad, kaya pinapatawad ang balanse kapag natugunan ang mga kondisyon ng programa. Kailangang bayaran kapag may Sale of the property, transfer/change of title, or failure to occupy as principal residence during the affordability period. Upon a triggering sale during the affordability period the County recaptures the entire direct subsidy, limited to available net proceeds. Nakatala ang tulong bilang lien sa posisyong Second (recorded Deed of Trust + Promissory Note behind the first-position mortgage). 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 Pinal County HOME Homeownership / Down Payment Assistance Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Requirement sa paninirahan: Property must be located within Pinal County. Citizenship o katayuan sa imigrasyon: HOME program rules apply (assistance limited to eligible households per federal HOME requirements). Direct down payment assistance is available 'when the county has an active program' - availability depends on current funding cycles and the County's Annual Action Plan priorities. Minimum HOME investment $1,000/unit; maximum set by HUD (240% of Section 234 per-unit limits). Buyer must be evaluated for ability to afford the mortgage. Deed restriction recorded for the affordability period; County monitors residency and recaptures on resale/title change.

Nililimitahan ng Pinal County HOME Homeownership / 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. Gross annual household income at or below 80% of Area Median Income (AMI). Uses Phoenix-Mesa-Scottsdale MSA HUD income limits, the 24 CFR Part 5 Annual Income definition, and the HUD CPD Income Eligibility Calculator. 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 Pinal County HOME Homeownership / Down Payment Assistance Program ang presyo ng pagbili: Purchase price may not exceed 95% of the area median purchase price for the applicable single-family housing type (HUD HOME Homeownership Value Limits, updated annually). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, Manufactured, at 2-4 Unit. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Pinal County HOME Homeownership / Down Payment Assistance Program ang mga bibili ng bahay sa Pinal County, Arizona.

Dumadaan sa Pinal County Office of Budget & Finance (Grants Division) ang mga aplikasyon para sa Pinal County HOME Homeownership / Down Payment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.