Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program是面向Tuscaloosa，Alabama购房者的可免除贷款，由Tuscaloosa Housing Authority (subrecipient of City of Tuscaloosa Office of Federal Programs)管理。 The Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program serves first-time homebuyers (no homeownership in the prior 3 years) earning 50%-80% of area median income. The City of Tuscaloosa allocates federal HOME funds to THA, which combines them with program income to develop new-construction homes and provide a zero-interest deferred forgivable second-mortgage. Buyers secure their own primary mortgage, contribute a $1,000 down payment, complete the City's free HUD-certified counseling, and occupy the home as their principal residence under a 15-year affordability period after which the assistance is fully forgiven. Zero-interest deferred second mortgage. Forgivable over 15 years (prorated). Down-payment/gap financing. Access to newly constructed homes. Free HUD-certified pre-purchase counseling. Low $1,000 buyer contribution. 资金来自Federal HOME Investment Partnerships Program funds (City of Tuscaloosa Participating Jurisdiction) administered by THA as subrecipient, plus THA program income。

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program在15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：Triggering event within the 15-year affordability period (sale, transfer, refinance, home-equity loan, foreclosure, casualty/condemnation, or ceasing owner-occupancy) requires prorated repayment; fully forgiven after 15 years of owner-occupancy. 该援助以Second mortgage (silent second), subordinate to the primary mortgage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。

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Cannot have owned a home in the previous 3 years。 须参加购房者教育课程，由City of Tuscaloosa Homeownership Counseling Program (HUD-certified), free in-person 3-4 hour class; certificate valid 2 years; (205) 248-5096提供。 居住要求：Home within Tuscaloosa city limits; occupied as principal residence (no renting/leasing)。 Verified on THA/City primary sources and the THA Homebuyer Program Policy PDF (amended 03.20.2024). Front-end housing ratio 20-33%; back-end ratio must be below 43% (underwritten to a 36% target via Exhibit A). GAPS not confirmed: minimum credit score (lender-determined), exact assistance dollar min/max (calculated per Exhibit A; minimum equals lender-required 10% down), hud_ami_year. Resale within 15 years must be to a buyer at or below 80% AMI.

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program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。 Household income 50%-80% of HUD AMI by household size. Exhibit A 80% AMI maximums: 1-person $34,450; 2-person $39,400; 3-person $44,300; 4-person $49,200. Income determined using Part 5 (24 CFR 5) definition; all household members counted. 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。

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program的房价上限如下：Not to exceed fair-market value per independent third-party appraisal (no fixed dollar cap)。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program服务于在Tuscaloosa，Alabama购房的购房者。

Tuscaloosa Housing Authority HOME-Assisted Homebuyer Program的申请通过Tuscaloosa Housing Authority (subrecipient of City of Tuscaloosa Office of Federal Programs)办理，该机构在其网站上公布现行条款和申请步骤。 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。