PHA Opening Doors to Affordable Homeownership Program (ODAHP)

Ang PHA Opening Doors to Affordable Homeownership Program (ODAHP) ay isang pangalawang mortgage para sa mga bibili ng bahay sa Philadelphia, Pennsylvania, na pinangangasiwaan ng Philadelphia Housing Authority (PHA), Homeownership Department. The Opening Doors to Affordable Homeownership Program consolidates the Philadelphia Housing Authority's homeownership initiatives under its Homeownership Department: the Section 5h scattered sites program, the Housing Choice Voucher homeownership program, and newer financing options. Participants work with PHA's Homeownership Department to review their financial status, credit standing and household goals, and must complete approved homeownership counseling and financial literacy courses. Participants choose one form of financing support. A soft second mortgage of up to a maximum of $50,000 per household may be provided, provided that the household is not receiving other PHA homeownership assistance. In lieu of monthly voucher assistance, participants may instead take one-time down payment assistance up to a maximum of $15,000 per household. A lease to purchase option escrows a portion of the tenant rent during the lease period and applies it to the down payment at the time of purchase. Households may alternatively keep monthly Housing Assistance Payments for up to 15 or 30 years. PHA authorizes only the minimum amount needed to close the affordability gap based on individual household circumstances. Residents in PHA's homeownership pipeline are encouraged to enroll in the Turn the Key program, where PHA residents receive first preference for homeownership units built on land PHA transferred to the City Land Bank. Ang pondo ay mula sa PHA Moving to Work funding.

Nag-aalok ang PHA Opening Doors to Affordable Homeownership Program (ODAHP) ng tulong na hanggang $50,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Philadelphia Housing Authority (PHA), Homeownership Department ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang PHA Opening Doors to Affordable Homeownership Program (ODAHP) pagkalipas ng 20 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Default that is not cured during the 20-year recapture period; the amount PHA recoups decreases 5% annually over the term. Nakatala ang tulong bilang lien sa posisyong 2. 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 PHA Opening Doors to Affordable Homeownership Program (ODAHP) sa mga unang beses na bibili ng bahay. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Kailangan ang kurso sa homebuyer education. Requirement sa paninirahan: Open to Philadelphia Housing Authority public housing residents and Housing Choice Voucher program participants. Participants must meet all program eligibility requirements, including successful completion of approved homeownership counseling and financial literacy courses. The soft second mortgage option is available provided that the household is not receiving other PHA homeownership assistance. Participants receiving down payment assistance or a soft second mortgage are not recertified. PHA staff work to maximize household eligibility for other non-PHA down payment and closing cost assistance. If demand exceeds available budget, PHA establishes a wait list based on date and time of application. PHA ceased new enrollments in the Public Housing Section 5h scattered-sites program during FY 2026.

Pinaglilingkuran ng PHA Opening Doors to Affordable Homeownership Program (ODAHP) ang mga bibili ng bahay sa Philadelphia, Pennsylvania.

Dumadaan sa Philadelphia Housing Authority (PHA), Homeownership Department ang mga aplikasyon para sa PHA Opening Doors to Affordable Homeownership Program (ODAHP), 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.