Arizona is Home Mortgage Assistance Program

Arizona is Home Mortgage Assistance Program是面向Statewide，Arizona购房者的延期第二贷款。 Governor Hobbs' Arizona is Home -- Mortgage Assistance Program is a collaboration between the Arizona Department of Housing (ADOH) and AzIDA targeted to rural Arizona counties. Eligible buyers receive a below-market 30-year fixed-rate first mortgage funded with tax-exempt mortgage revenue bonds, plus 4% of the first mortgage amount in DPA structured as a no-interest, no-payment deferred soft second mortgage. For 2026, the second is NON-FORGIVABLE -- entire balance due upon sale, refinance, or transfer. Available in 13 rural counties; not offered in Maricopa or Pima counties or in Chino Valley, AZ. New reservations open April 6, 2026 with $55M annual funding cap. Below-market 30-year fixed-rate first mortgage paired with a 4% non-forgivable, no-interest, no-payment deferred soft second mortgage. Recapture-tax reimbursement provided by AzIDA. AzIDA has delivered $4.5B+ in affordable housing bond financing and assisted 37,000+ Arizona homebuyers across both DPA programs. 资金来自Tax-exempt mortgage revenue bonds issued by AzIDA in collaboration with the Arizona Department of Housing (ADOH)。

Arizona is Home Mortgage Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, refinance, transfer of title, or non-occupancy as principal residence -- entire DPA balance due (non-forgivable for 2026)。 该援助以2nd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。

Arizona is Home Mortgage Assistance 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：Qualified Veterans and purchases within IRS-Designated Targeted Areas are exempt from the 3-year first-time-homebuyer rule。 关于信用，该项目说明：640 minimum (all loan products: FHA, VA, USDA, HUD-184 Tribal, Fannie Mae HFA Preferred, Freddie Mac HFA Advantage)。 须参加购房者教育课程，由AzIDA-approved online providers (eHome America, Framework, Money Management International) or any HUD-certified in-person counseling agency. Course list at https://homeplusaz.com/dpa-pre-purchase-homebuyer-education-course/.提供。 居住要求：Property must be borrower's principal residence; must be located in an eligible Arizona county (excludes Maricopa, Pima, and Chino Valley)。 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per AUS findings of underlying first mortgage。 First-time homebuyer (no ownership in prior 3 years); exceptions for Qualified Veterans and purchases in IRS-Designated Targeted Areas. Borrower must complete pre-purchase homebuyer education before closing. Tax-exempt mortgage revenue bond program -- IRS Federal Recapture Tax may apply if home sold within 9 years (AzIDA reimburses borrower for any actual recapture tax paid). Annual funding cap of $55 million for 2026; program pauses when funds exhausted.

Arizona is Home Mortgage Assistance Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Annual household income at or below 100% AMI (temporary increase from 80% AMI; effective Oct 1, 2024). 2026 county limits (1-2 person household): Apache $55,300; Cochise $71,200; Coconino $101,900; Gila $76,100; Graham $81,100; Greenlee $88,400; La Paz $66,700; Mohave $73,800; Navajo $67,200; Pinal $109,600; Santa Cruz $66,100; Yavapai $87,300; Yuma $76,200. Maricopa and Pima counties not eligible (use HOME+PLUS instead). 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。

Arizona is Home Mortgage Assistance Program将房价上限设为$481,176。 符合条件的房屋类型包括Single-family detached, townhome, condo (warrantable), 1-unit, planned unit development (PUD), manufactured home (1976 or newer, on permanent foundation)。 新建房屋符合条件。 预制房屋符合条件。

Arizona is Home Mortgage Assistance Program在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Arizona is Home Mortgage Assistance Program服务于在Statewide，Arizona购房的购房者。 该项目针对特定区域：IRS-Designated Targeted Areas within eligible counties allow waiver of the first-time-homebuyer requirement and offer higher purchase price/income limits per IRS Section 143 mortgage revenue bond rules。

Arizona is Home Mortgage Assistance Program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 through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served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。