Homeownership Assistance Program (HAP) - Baldwin County

Homeownership Assistance Program (HAP) - Baldwin County是面向Baldwin县，Alabama购房者的可免除贷款，由Baldwin County Commission Grants Department (CDBG-DR via ADECA)管理。 Baldwin County's Homeownership Assistance Program (HAP) is a CDBG-DR program (Hurricanes Sally & Zeta) that helps low- to moderate-income, disaster-impacted households close the affordability gap to homeownership with a need-based forgivable 2nd mortgage of up to $85,000 per household. The award has no monthly payments and no interest, and is forgiven after five years of primary occupancy with current insurance and taxes. Funds can cover down payment (up to 100% of the down payment, capped at 20% of purchase price), closing costs, inspections, interest-rate buydown, and buyer's agent commission. Forgivable 2nd mortgage up to $85,000. 0% interest, no monthly payments, forgiven after 5 years. Covers down payment, closing costs, inspections, interest-rate buydown, and buyer's agent commission. Case management and homebuyer education support. Grant funding available through October 2028. 资金来自Community Development Block Grant-Disaster Recovery (CDBG-DR), Hurricanes Sally & Zeta (2020), administered through Baldwin County Commission; grant available through October 2028 or until funds are fully awarded.

Homeownership Assistance Program (HAP) - Baldwin County提供最高$85,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Baldwin County Commission Grants Department (CDBG-DR via ADECA)决定。

Homeownership Assistance Program (HAP) - Baldwin County在5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：Forgivable 2nd mortgage with no monthly payments and no interest accrual; forgiven after 5 years of ownership with primary occupancy and up-to-date insurance and taxes. 该援助以Second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。

Homeownership Assistance Program (HAP) - Baldwin County面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由HUD-certified housing counseling program; homebuyer education course required (list of providers on program handout).提供。 居住要求：Applicant must have been a Baldwin County resident (renter or homeowner), or in the process of purchasing a home in the county, at the time of the 2020 disasters; must maintain primary residency for a minimum of 5 years. Property must be within Baldwin County and in Flood Zone X. 公民身份或移民身份：U.S. citizen or qualified alien. NOT YET ACCEPTING APPLICATIONS as of June 7, 2026 - online application portal anticipated to open Summer 2026 (pending final ADECA approval); public information meetings held May 18 and June 3, 2026. Included as an actively-launching program. Property must be in Flood Zone X. Total debt-to-income should not exceed 42%; housing debt not to exceed 30% of income. Applicant must contribute a minimum $500 to closing costs.

Homeownership Assistance Program (HAP) - Baldwin County将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 2026 income limits for Baldwin County Metro Area at 80% of Area Median: 1 person $57,300; 2 $65,450; 3 $81,800; 4 $88,350; 5 $94,900; 6 $101,450; 7 $101,450; 8 $108,000. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Homeownership Assistance Program (HAP) - Baldwin County的房价上限如下：Appraisal report must be greater than or equal to the purchase price; no fixed maximum purchase price stated. 符合条件的房屋类型包括Single Family。

Homeownership Assistance Program (HAP) - Baldwin County服务于在Baldwin县，Alabama购房的购房者。 该项目针对特定区域：Targeted to disaster-impacted, low-income households who lived in Baldwin County at the time of the 2020 Hurricanes Sally & Zeta.

Homeownership Assistance Program (HAP) - Baldwin County的申请通过Baldwin County Commission Grants Department (CDBG-DR via ADECA)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Online application portal (anticipated to open Summer 2026); case manager assigned after initial eligibility determination.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。