Step Up with Affordable Income Subsidy Grant (AISG)

Step Up with Affordable Income Subsidy Grant (AISG)是面向Statewide，Alabama购房者的补助金。 The Affordable Income Subsidy Grant (AISG) is a true closing-cost grant offered by AHFA that layers on top of the Step Up (or First Step) HFA Advantage conventional first mortgage. It provides 1.0% (≤50% AMI) or 0.5% (50.01-80% AMI) of the loan amount as a non-repayable grant. Income limits are set by county at 80% of AMI per Freddie Mac. AISG is the only grant component (no lien, no repayment) in AHFA's homeownership product suite. The Affordable Income Subsidy Grant (AISG) is a closing-cost grant layered on top of an AHFA Step Up (or First Step) HFA Advantage conventional loan and its DPA second mortgage. Borrowers at or below 50% of the Freddie Mac AMI receive a grant of 1.0% of the loan amount. borrowers between 50.01% and 80% AMI receive 0.5% of the loan amount. The grant is true grant funds (no lien recorded, no repayment) and helps cover closing costs. When stacked with Step Up, an eligible borrower receives: (a) a 30-year HFA Advantage conventional first mortgage, (b) up to 4% / $10,000 Step Up DPA second mortgage, and (c) the AISG closing-cost grant. 资金来自AHFA / Freddie Mac HFA Advantage program funds; loans serviced by ServiSolutions。

Step Up with Affordable Income Subsidy Grant (AISG)属于补助金，因此无需偿还。 触发还款的情形：None - grant is non-repayable和no lien recorded against the property。 该援助以No Lien (Grant)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。

Step Up with Affordable Income Subsidy Grant (AISG)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：640 minimum FICO。 须参加购房者教育课程，由Approved homebuyer education provider required; list available through participating lenders and AHFA提供。 居住要求：Property must be in Alabama and occupied as primary residence within 60 days of closing。 公民身份或移民身份：U.S. citizen or qualified non-citizen per Freddie Mac HFA Advantage guidelines。 AISG is restricted to the Freddie Mac HFA Advantage conventional product (AHFA does not offer the grant on FHA/VA/USDA). Income limits are set by Freddie Mac at 80% Area Median Income by county and updated periodically; verify the property's specific 80% AMI limit using the Freddie Mac Home Possible Eligibility Map (https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-map). The grant amount is paid as a percentage of the first-mortgage loan amount, with 1.0% if borrower is at/below 50% AMI and 0.5% if 50.01-80% AMI. (Note: a third-party site fha.com lists 1.5% for the 50-80% tier, but AHFA's official program page authoritatively states 0.5%.) Standard Step Up (or First Step) program rules also apply (640 FICO, 45% DTI, primary residence, homebuyer education). HUD 2025 4-person AMI for many Alabama counties (~$70K-$90K) closely tracks Freddie Mac 80% AMI used here; the cited 4-person figure of $92,400 reflects the higher Huntsville/Madison or Birmingham-Hoover MSA 80% AMI tier.

Step Up with Affordable Income Subsidy Grant (AISG)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。 AISG income limits are set by Freddie Mac at 80% of county Area Median Income (AMI) and apply by the property's county. For 2025, AHFA-cited 4-person figures for the lowest-income/highest-income Alabama counties span approximately $35,300-$92,400 depending on county. Borrowers must be at or below 80% of the AMI for the property's location to receive any grant: at/below 50% AMI = 1.0% of loan amount grant; 50.01% to 80% AMI = 0.5% of loan amount grant. Use Freddie Mac's Home Possible Eligibility Map to look up the exact 80% AMI dollar limit for the property's census tract. 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。

Step Up with Affordable Income Subsidy Grant (AISG)的房价上限如下：If paired with First Step: $544,233 non-target / $665,173 target sales-price limits apply. If paired with Step Up: no AHFA sales-price cap (subject to Freddie Mac HFA Advantage conforming limits). 符合条件的房屋类型包括Single-family detached, townhomes, eligible condos, planned-unit developments (per Freddie Mac HFA Advantage guidelines)。 新建房屋符合条件。 预制房屋符合条件。

Step Up with Affordable Income Subsidy Grant (AISG)服务于在Statewide，Alabama购房的购房者。

Step Up with Affordable Income Subsidy Grant (AISG)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 reserves grant funds along with Step Up/First Step rate/funds via AHFA's online lender portal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。