City of Flagstaff Employer Assisted Housing Program (EAH)

City of Flagstaff Employer Assisted Housing Program (EAH)是面向Flagstaff，Arizona购房者的可免除贷款，由City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona)管理。 The City of Flagstaff Employer Assisted Housing (EAH) Program provides up to $20,000 in interest-free, deferred down payment and/or closing cost assistance to eligible City of Flagstaff employees purchasing a home within the Flagstaff metropolitan area. Assistance is a 2-to-1 match of the buyer's own funds (up to $10,000 buyer contribution unlocks up to $20,000). Up to $10,000 is forgiven pro-rata over 10 years of continued City employment and owner-occupancy. Administered by Housing Solutions of Northern Arizona; contingent on annual City budget allocation. Up to $20,000 deferred, interest-free loan. 2-to-1 match rewards buyer savings. Up to $10,000 forgiven over 10 years. No-cost homebuyer education and counseling. Broad eligible property types incl. manufactured homes. 资金来自City of Flagstaff general budget (contingent on annual allocation)。

City of Flagstaff Employer Assisted Housing Program (EAH)提供最高$20,000的援助。 该项目要求购房者自付2-to-1 match: buyer contributes up to $10,000 of own funds to unlock up to $20,000 EAH assistance。 该项目可与CHAP and other down payment assistance programs allowed结合使用。 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City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona)决定。

City of Flagstaff Employer Assisted Housing Program (EAH)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, cash-out refinance, termination of City of Flagstaff employment, or loss of owner-occupancy; up to $10,000 forgiven pro-rata over 10 years; remaining balance repaid on trigger。 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。

City of Flagstaff Employer Assisted Housing Program (EAH)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：Must not have owned a home within the FMPO boundary in the last 3 years; single parents who only owned with a former spouse qualify。 关于信用，该项目说明：Must be mortgage eligible based on credit and employment; no explicit minimum。 须参加购房者教育课程，由Housing Solutions of Northern Arizona (HSNA) online homebuyer education + one-on-one HUD-certified counseling; no cost提供。 居住要求：Home must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary。 Restricted to current City of Flagstaff employees in non-temporary positions with 12+ consecutive months of employment; performance evaluation must meet/exceed expectations and employee not on a performance work plan. One-time benefit per employee. Annual budget appropriation required — program may pause if unfunded. Buyer funds must be seasoned 3+ months or gift from immediate family.

City of Flagstaff Employer Assisted Housing Program (EAH)将家庭收入限制在地区收入中位数的125%，该数值因县和家庭人数而异。 No firm income limit stated for EAH (2019-era flyer references a 125% AMI table); eligibility is primarily City employment-based. 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。

City of Flagstaff Employer Assisted Housing Program (EAH)可用于Single Family、Townhouse、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

City of Flagstaff Employer Assisted Housing Program (EAH)仅限City of Flagstaff (non-temporary employees only)的员工。 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。

City of Flagstaff Employer Assisted Housing Program (EAH)服务于在Flagstaff，Arizona购房的购房者。 该项目针对特定区域：Home purchase must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary。

City of Flagstaff Employer Assisted Housing Program (EAH)的申请通过City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona)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First-come, first-served; contingent on annual City budget allocation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。