Mobile County Homeownership Down Payment Assistance Program (HDPA)

Mobile County Homeownership Down Payment Assistance Program (HDPA)是面向Mobile县，Alabama购房者的可免除贷款。 The Homeownership Down Payment Assistance Program (HDPA) is a CDBG-Disaster Recovery-funded program administered by the Mobile County Commission as Subrecipient to the Alabama Department of Economic and Community Affairs (ADECA). Provides up to $50,000 in interest-free deferred forgivable loan assistance to LMI households (up to 120% AMI) for down payment and closing costs on a single-family home in unincorporated Mobile County or designated municipalities, in response to Hurricane Sally & Zeta (2020) recovery. Sister program to the County's HOME-funded Down Payment Assistance Program (separate listing); modeled on its requirements. Despite being labeled 'Grant' on Freddie Mac DPA One, the assistance is structured as a forgivable second-lien loan with recapture-net-of-proceeds upon early sale/transfer. Applications opened Aug. 4, 2025 and continue until funds depleted. Up to $50,000 (minimum $1,000) interest-free deferred loan for down payment and closing costs, forgiven on a prorated monthly basis over up to 10 years. May provide up to 100% of the down payment required by the lender and/or subsidize mortgage interest rate. No monthly payments. Loan released at end of affordability period if homebuyer maintains primary residence. 资金来自CDBG-DR (Hurricanes Sally & Zeta) administered by Alabama Department of Economic and Community Affairs (ADECA); HUD; Federal。

Mobile County Homeownership Down Payment Assistance Program (HDPA)在10年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale or voluntary/involuntary transfer of title (including foreclosure) during the up-to-10-year affordability period triggers repayment of the unforgiven balance of CDBG-DR direct downpayment assistance, capped at net proceeds of sale (recapture net of proceeds, modeled on 24 CFR 92.254(a)(5)(ii)(A)(2) and (4)). Failure to occupy as primary residence during the affordability period requires repayment of the full direct downpayment assistance amount. 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Mobile County Homeownership Down Payment Assistance Program (HDPA)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No published minimum credit score. Program guide states homebuyers should have good credit and qualify for competitive lending products. 须参加购房者教育课程，由HUD-Certified Housing Counseling Agency designated by Mobile County. 8-hour homeownership education course required.提供。 居住要求：Applicant must have been a Mobile County resident during Hurricanes Sally & Zeta (Sept. 11-16, 2020 and Oct. 28-29, 2020). Property must be located in Mobile County HOME Consortium area: unincorporated Mobile County or the cities/towns of Bayou La Batre, Chickasaw, Citronelle, Creola, Mount Vernon, Prichard, Saraland, Satsuma, Semmes. Homes within City of Mobile or Town of Dauphin Island are NOT eligible. 公民身份或移民身份：All members of the purchasing household must be U.S. citizens or qualified aliens eligible for federal public benefits under PRWORA (1996). Applicant must have been a Mobile County resident during Hurricanes Sally & Zeta (Sept. 11-16, 2020 and Oct. 28-29, 2020) -- proof of residency required (utility bill, vehicle tag receipt, tax record, lease/mortgage statement). Priority to LMI homeowners and renters impacted by 2020 hurricanes; LMI individuals on path to homeownership also encouraged. Cannot own additional property. Duplication of Benefits Certification required. First mortgage must be CFPB Qualified Mortgage, fully amortizing 30-year fixed (USDA up to 33-year). Front-end 30% / back-end 43% ratio caps. Property must pass County home inspection and environmental review. Independent state-licensed appraisal required to justify sales price.

Mobile County Homeownership Down Payment Assistance Program (HDPA)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income must not exceed 120% of Area Median Income for Mobile County (HUD CDBG income limits, FY 2025): 1p $68,450; 2p $78,250; 3p $88,000; 4p $97,800; 5p $105,600; 6p $113,450; 7p $121,250; 8p $129,100. Section 8 (24 CFR 5.609) gross-income definition; income of all household members 18+ is included. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Mobile County Homeownership Down Payment Assistance Program (HDPA)将房价上限设为$290,000。 符合条件的房屋类型包括Single-family detached dwelling unit. Property must be owner-occupied, purchaser-occupied, or vacant at the time of purchase. 新建房屋符合条件。 预制房屋不符合条件。

Mobile County Homeownership Down Payment Assistance Program (HDPA)服务于在Mobile县，Alabama购房的购房者。 该项目针对特定区域：Hurricane Sally & Zeta disaster-affected residents of Mobile County receive priority. Eligible jurisdictions limited to unincorporated Mobile County and the designated municipalities; City of Mobile and Town of Dauphin Island are excluded.

Mobile County Homeownership Down Payment Assistance Program (HDPA)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lender submits completed HDPA application, loan application, loan estimate, and purchase agreement to County; funding reserved at that point. County reserves 15 working days to review/approve. First-come, first-served until funding is depleted.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。