City of Phoenix Section 32 Public Housing Homeownership Program

City of Phoenix Section 32 Public Housing Homeownership Program是面向Phoenix，Arizona购房者的可免除贷款，由City of Phoenix Housing Department管理。 The Section 32 Public Housing Homeownership Program lets eligible first-time buyers at or below 80% AMI purchase former City of Phoenix public housing units at a 20% discount off appraised value, structured as a 10-year, zero-interest, no-payment City Investment Loan that forgives at 20%/year beginning year 6. Buyers must qualify for a conventional first mortgage and complete homeownership, financial fitness, and maintenance classes. 20% discount off appraised value via City Investment Loan. Zero-interest, no-payment loan for 10 years. Forgiveness from year 6 (20%/year). Possible additional DPA/closing-cost grants. One-year home warranty. Counseling support.

City of Phoenix Section 32 Public Housing Homeownership Program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, change in primary occupancy, or failure to maintain principal residence during the 10-year City Investment Loan term。 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 Phoenix Section 32 Public Housing Homeownership Program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。 关于信用，该项目说明：640+; below 640 may qualify after completing Financial Fitness classes。 须参加购房者教育课程，由City of Phoenix Housing Dept certified counselors; HUD-approved housing counseling agencies提供。 公民身份或移民身份：U.S. citizen or eligible non-citizen (HUD public housing rules apply)。 Applicant must be a public housing resident OR on the public housing waiting list. Favorable landlord recommendation and timely payment history required. HQS inspection required. Financial fitness classes if credit < 640. 75% of income must be earned. Distinct from Home in Five Advantage and CPLC Open Doors.

City of Phoenix Section 32 Public Housing Homeownership 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 <= 80% AMI by household size; at least 75% of monthly income must be earned income. 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 Phoenix Section 32 Public Housing Homeownership Program可用于Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

City of Phoenix Section 32 Public Housing Homeownership Program服务于在Phoenix，Arizona购房的购房者。

City of Phoenix Section 32 Public Housing Homeownership Program的申请通过City of Phoenix Housing Department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。