City of Mesa Homeownership Assistance Program (HOA)

City of Mesa Homeownership Assistance Program (HOA)是面向Mesa，Arizona购房者的延期第二贷款，由City of Mesa Department of Housing and Community Development (HCD)管理。 The City of Mesa Homeownership Assistance Program (HOA) provides down payment assistance, closing cost assistance, and soft-second deferred loans up to $30,000 to low- and moderate-income first-time homebuyers within the City of Mesa. The program is funded through federal HOME and CDBG funds administered by Mesa's Department of Housing and Community Development. Buyers must earn at or below 80% AMI, contribute a minimum of $1,500, complete HUD-approved homebuyer education, and occupy the home as their primary residence for at least 5 years. Up to $30,000 deferred-loan assistance for down payment and closing costs. Zero-interest soft second loan. For low- to moderate-income Mesa first-time buyers. Only $1,500 minimum borrower contribution. 资金来自HOME Investment Partnerships Program (HOME) / CDBG。

City of Mesa Homeownership Assistance Program (HOA)提供最高$30,000的援助。 购房者自付部分：Borrower must contribute a minimum of $1,500 of their own funds toward the down payment。 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 Mesa Department of Housing and Community Development (HCD)决定。

City of Mesa Homeownership Assistance Program (HOA)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, transfer, refinancing for equity, or failure to maintain as primary residence during the affordability period。 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 Mesa Homeownership Assistance Program (HOA)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由HUD-approved homeownership counseling agency; every adult household member must attend pre-purchase workshop(s), meet with a counselor, and complete a 2-hour counseling session提供。 VERIFICATION NOTE: The official mesaaz.gov buy-a-home program page is JavaScript-rendered and returned blank on fetch; program confirmed via City of Mesa HCD FY2024-25 CAPER (official) plus HCD findhelp listing and corroborating sources. Minimum 5-year affordability period; HUD recapture rules apply on transfer/sale within the period. DTI guideline 31% front-end / 43% back-end (up to 45% exception). Verify current guidelines with HCD at (480) 644-3536 before publishing.

City of Mesa Homeownership Assistance Program (HOA)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。 Annual gross household income at or below 80% of AMI for the Phoenix-Mesa-Scottsdale, AZ HUD Metro FMR Area. 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 Mesa Homeownership Assistance Program (HOA)服务于在Mesa，Arizona购房的购房者。

City of Mesa Homeownership Assistance Program (HOA)的申请通过City of Mesa Department of Housing and Community Development (HCD)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。