Direct Homeownership Assistance Program

Ang Direct Homeownership Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Baltimore, Maryland. $5,000 forgivable second-mortgage bonus on top of the First-Time Homebuyers Incentive Program for buyers who are either (a) renters purchasing their current rental home of 6+ months OR (b) households with a member with a disability. 5-year forgivable, 0%, 80% AMI cap, FTHB-only, Baltimore City only. $5,000 in down payment and closing cost assistance for first-time homebuyers who EITHER (a) purchase the house they have rented and occupied for at least the past six months, OR (b) have a household member with a documented disability. Structured as a 5-year forgivable second mortgage at 0% interest, forgiven 20%/year over 5 years of continued owner-occupancy. Designed as a tenant-purchase / disability-accommodation incentive. Can ONLY be used in combination with the Baltimore City First-Time Homebuyers Incentive Program (FTHIP) - i.e., DHAP is a stack-on bonus to FTHIP, not a standalone incentive. Property must be Baltimore City. Buyer must contribute $1,000+ of own funds. Homebuyer counseling certificate required from city-approved agency (valid 12 months). 80% AMI household income cap. Ang pondo ay mula sa Federal CDBG at Local Government.

Nag-aalok ang Direct Homeownership Assistance Program ng tulong na hanggang $5,000. Ambag ng bibili ng bahay: Buyer must contribute at least $1,000 of own funds. 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.

Pinapatawad ang Direct Homeownership Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Forgiven 20%/year over 5 years of continuous owner-occupancy. Prorated unforgiven balance due on sale, transfer, cash-out refi, or non-owner-occupancy within 5 years. Nakatala ang tulong bilang lien sa posisyong 3. 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 Direct Homeownership 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": Standard first-time-homebuyer requirement (no ownership of primary residence in past 3 years); displaced-homemaker / single-parent exceptions per HUD. Tungkol sa credit, sinasabi ng programa: No DHCD-published DHAP minimum; first-mortgage lender's product minimums apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Baltimore City-approved homeownership counseling agencies (NHS of Baltimore, Druid Heights CDC, Belair-Edison, Southeast CDC, GO Northwest, St. Ambrose). Requirement sa paninirahan: Property must be in Baltimore City corporate limits and serve as primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen per first-mortgage product rules. MUST be combined with First-Time Homebuyers Incentive Program (FTHIP) - cannot be standalone. ELIGIBILITY (one of two): (a) buyer must have rented and occupied the subject property as their residence for at least 6 months prior to purchase, OR (b) household member must have a documented disability per applicable federal definition. First-time homebuyer (no primary residence ownership in past 3 years). 80% AMI household income cap. Owner-occupied primary residence. $1,000 minimum buyer contribution. Mortgage cannot exceed FHA loan limit ($731,400). Fixed-rate first mortgage only (no ARMs, balloons, cash, co-signers, owner-financing). Housing Quality Standard (HQS) inspection required. Counseling certificate (workshop + counseling session) from city-approved agency, valid 12 months. Must apply and be approved BEFORE closing - no retroactive funding.

Nililimitahan ng Direct Homeownership 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 at or below 80% Area Median Income (AMI) for Baltimore HMFA, by household size. Approximate 2026 limits: $68,450 (1-person) to $129,050 (8-person). Verify current at livebaltimore.com/annual-median-income-limits-for-baltimore-city. 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 Direct Homeownership Assistance Program ang presyo ng pagbili: First-mortgage amount cannot exceed FHA loan limit for Baltimore MSA ($731,400 single-family in 2025/2026). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, Rowhouse, Condominium, at 2-4 unit owner-occupied. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Binabanggit ng Direct Homeownership Assistance Program ang mga bibili ng bahay na may kapansanan 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 Direct Homeownership Assistance Program ang mga bibili ng bahay sa Baltimore, Maryland.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Direct Homeownership Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply via Baltimore Applicant Portal (applicantportal.dhcd.baltimorecity.gov) along with FTHIP application. Approval required prior to closing. 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.