City of Tucson Down Payment Assistance Program

City of Tucson Down Payment Assistance Program是面向Tucson，Arizona购房者的延期第二贷款。 The City of Tucson Housing and Community Development Department offers a HOME-funded Down Payment Assistance Program to help income-qualified homebuyers purchase a primary residence within the City of Tucson and Pima County (excluding Tribal lands). Assistance is structured as a deferred-payment second mortgage with no monthly payments, secured by a deed of trust. Loans are subject to a HOME affordability period during which the principal and interest become due if the home is sold or transferred. Maximum assistance is the lesser of $50,000 or 20% of contract sales price, determined by household need and affordability. Deferred-payment second mortgage of up to $50,000 or 20% of contract sales price (whichever is less) to assist with down payment and closing costs. No monthly payments during the affordability period. Assistance amount determined by household need and affordability gap analysis. 资金来自HOME、Federal和Local Government。

City of Tucson Down Payment Assistance Program按项目规定，提供相当于房价20%的援助。 购房者自付部分：Minimum $1,000 of buyer's own funds (documented and verified). Cost of home inspection and home warranty purchase may count toward this requirement. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

City of Tucson Down Payment 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, transfer, refinance (without subordination), or loss of owner-occupancy during the affordability period triggers repayment of principal plus accrued interest. 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。

City of Tucson Down Payment Assistance Program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：No published minimum credit score; lender qualification standards apply. 须参加购房者教育课程，由Administration of Resources and Choices (ARC) - (520) 623-9383, www.arc-az.org; Chicanos Por La Causa (CPLC) - (520) 882-0018, www.cplc.org/housing; Pima County Community Land Trust - (520) 603-0587, www.pcclt.org; Primavera Foundation - (520) 882-5383, www.primavera.org提供。 居住要求：Property must be located within the City of Tucson or Pima County (excluding Tribal lands) and must be occupied as the borrower's principal residence during the affordability period. 公民身份或移民身份：U.S. citizen or qualified non-citizen as required for HOME-funded programs. Must complete HUD-certified Homebuyer Counseling at a partner agency prior to home purchase contract; contribute at least $1,000 of own funds (documented and verified) including cost of inspection; have equivalent of two months mortgage payments in reserves on deposit at a bank; no ARMs permitted; mortgage terms must be reviewed and approved by housing counselor; home warranty required; pre-1978 homes require lead-based paint inspection; property must be approved by City/County for federal environmental compliance; HUD minimum housing quality standards inspection required by state-certified inspector.

City of Tucson Down Payment Assistance 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 must be at or below 80% HUD Area Median Income (AMI) for Tucson. Current limits per official program page: 1-person $55,900; 2-person $63,900; 3-person $71,900; 4-person $79,850; 5-person $86,250; 6-person $92,650; 7-person $99,050; 8-person $105,450. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Tucson Down Payment Assistance Program将房价上限设为$345,000。 符合条件的房屋类型包括Single-family detached homes、townhomes、condominiums、new construction和existing homes meeting HUD Housing Quality Standards. 新建房屋符合条件。 预制房屋不符合条件。

City of Tucson Down Payment Assistance Program服务于在Tucson，Arizona购房的购房者。

City of Tucson Down Payment 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Applications submitted through partner counseling agencies after completing HUD-certified homebuyer counseling and securing a purchase contract; first-come, first-served subject to funding availability.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。