Downpayment Assistance Program

Ang Downpayment Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Santa Fe County, New Mexico. Santa Fe County HUD HOME-funded 0% deferred second mortgage up to $30,000 for FTHB at ≤80% AMI purchasing in unincorporated Santa Fe County. 5-15 year HOME affordability covenant. The Santa Fe County Downpayment Assistance Program (also known as the Homebuyer Assistance Program / HAP) provides up to $30,000 in 0% interest, deferred-payment second mortgage assistance to low-income first-time homebuyers purchasing a home within unincorporated Santa Fe County (excluding the City of Santa Fe, which administers a separate municipal DPA program). Funds may be applied to down payment, closing costs, and reasonable buy-down of principal. The loan is at 0% interest with no monthly payments. the full balance is due upon sale, refinance, transfer of title, or when the home is no longer the borrower's primary residence. Funded through the federal HUD HOME Investment Partnerships Program administered by Santa Fe County Community Services Department. Ang pondo ay mula sa Federal at HOME.

Ipinagpaliban ang Downpayment Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Full balance due on sale, refinance, transfer of title, or when home is no longer borrower's primary residence (e.g., property put up for rent or no longer owner-occupied). HUD HOME affordability covenant period (5-15 years per subsidy amount under 24 CFR 92.254) governs recapture vs. resale provisions. Nakatala ang tulong bilang lien sa posisyong 2nd Lien. 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 Downpayment 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": Displaced homemakers and single parents with custody of minor children are considered first-time homebuyers per HUD HOME rules even if they previously owned a home with a spouse. Tungkol sa credit, sinasabi ng programa: No published minimum FICO from Santa Fe County; per first-mortgage lender requirements (typically 620 minimum when paired with NM MFA first mortgage). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved homebuyer education required (Homewise, Tierra del Sol Housing Corporation, Santa Fe Community Housing Trust, eHome America, or Framework). Requirement sa paninirahan: Property must be located within unincorporated Santa Fe County (excluding City of Santa Fe city limits, which has a separate program), and serve as borrower's primary residence. Citizenship o katayuan sa imigrasyon: Per HUD HOME eligibility: U.S. citizen or eligible non-citizen (24 CFR 5.508). Property must be located within unincorporated Santa Fe County (excluding the City of Santa Fe city limits). Borrower must be a first-time homebuyer (no ownership of principal residence in past 3 years). Owner-occupied principal residence. Annual household income at or below 80% Area Median Income for Santa Fe County / Santa Fe MSA per HUD ($20,900 1p extremely low up to $105,100 8p 80% AMI per 2025 HUD limits). HUD HOME affordability covenant applies (5-15 years per 24 CFR 92.254 depending on subsidy amount). HUD-approved homebuyer education required. Property must pass HUD Housing Quality Standards (HQS) inspection.

Nililimitahan ng Downpayment Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 80% AMI for Santa Fe County (Santa Fe MSA) per HUD income limits. Per seed: $20,900 (1p extremely low / very low) up to $105,100 (8p 80% AMI). Actual schedule includes 50%, 60%, 80% AMI tiers depending on assistance amount. 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 Downpayment Assistance Program ang presyo ng pagbili: Maximum purchase price tied to HUD 95% of median sales price for Santa Fe MSA per 24 CFR 92.254; updated annually. As of 2025 Santa Fe County HUD HOME limit approximately $441,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation at must be located in unincorporated Santa Fe County. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Downpayment Assistance Program ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, mga naiwang asawa, mga American Indian at Alaska Native na bibili ng bahay, at 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 Downpayment Assistance Program ang mga bibili ng bahay sa Santa Fe County, New Mexico.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Downpayment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Direct application to Santa Fe County Community Services Department; first-come, first-served while annual HOME allocation funds last. 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.