HOME+PLUS Home Buyer Down Payment Assistance Program

HOME+PLUS Home Buyer Down Payment Assistance Program是面向Statewide，Arizona购房者的可免除贷款。 HOME+PLUS is AzIDA's flagship statewide down payment assistance program -- a 30-year fixed-rate first mortgage paired with a tiered, forgivable second-mortgage DPA of 0%, 2%, 3%, 4%, or 5% of the first-mortgage amount depending on first-mortgage product, credit profile, and rate option. The DPA second is no-interest, no-payment, and forgiven in full after 60 months / 5 years. Self-funded through national capital markets and program operations -- never out of money, no sunset date. Available statewide in all Arizona counties, cities, and ZIP codes. Not limited to first-time buyers. Has assisted 37,000+ Arizona homebuyers since program inception. 30-year fixed-rate first mortgage with up to 5% DPA structured as a forgivable, no-interest, no-payment second mortgage forgiven after 60 months. Reduced mortgage-insurance premiums on Fannie Mae HFA Preferred / Freddie Mac HFA Advantage conventional loans. Year-round availability with no funding sunset. statewide in all 15 Arizona counties. Not a first-time-homebuyer program -- repeat buyers eligible. AzIDA has assisted 37,000+ Arizona homebuyers. 资金来自Self-funded via national capital markets (mortgage-backed securities) plus program operating income; true public-private partnership without taxpayer funds。

HOME+PLUS Home Buyer Down Payment Assistance Program在5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, refinance, transfer, or non-occupancy within first 60 months -- entire DPA balance repaid和after 60 months DPA fully forgiven。 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。

HOME+PLUS Home Buyer 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：640 minimum across most products (lender overlays may apply); Fannie Mae HFA Preferred and Freddie Mac HFA Advantage typically require 640+。 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 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 and located in Arizona。 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualified non-permanent resident alien per first-mortgage AUS findings。 Pre-purchase homebuyer education required for at least one borrower before closing. Property must be borrower-occupied primary residence. DPA second is fully forgiven after 60 months of occupancy; if home is sold or first mortgage refinanced within 60 months, the entire DPA second balance must be repaid. AzIDA does NOT subordinate the DPA second mortgage and grants no exceptions to repayment terms.

HOME+PLUS Home Buyer Down Payment Assistance Program将家庭收入限制在$155,386。 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。

HOME+PLUS Home Buyer Down Payment Assistance Program的房价上限如下：No AzIDA-imposed purchase-price cap on HOME+PLUS (program is not a tax-exempt bond program); subject only to first-mortgage product loan limits (FHA county limits, conforming loan limit for conventional, VA/USDA limits, etc.)。 符合条件的房屋类型包括Single-family detached, townhome, warrantable condo, PUD, 1-unit, manufactured home (1976+ on permanent foundation)。 新建房屋符合条件。 预制房屋符合条件。

HOME+PLUS Home Buyer Down Payment Assistance Program服务于在Statewide，Arizona购房的购房者。

HOME+PLUS Home Buyer 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Lender reserves through AzIDA Lender Portal (https://homeplusaz.com lender portal); first-come, first-served; year-round 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。