Pinal County HOME Homeownership / Down Payment Assistance Program

Pinal County HOME Homeownership / Down Payment Assistance Program是面向Pinal县，Arizona购房者的可免除贷款，由Pinal County Office of Budget & Finance (Grants Division)管理。 Pinal County, a HUD-designated entitlement/urban county since 2019, uses HOME Investment Partnership Program funds for homeownership assistance. Direct assistance to income-eligible buyers can take the form of down payment/closing cost assistance, a subordinate second loan to lower the first mortgage to an affordable payment, or a HOME mortgage provided directly to the buyer; the County also funds developers that build/rehab affordable homes for sale. Direct homebuyer assistance is a non-interest-bearing Forgivable Deferred Payment Loan secured by a recorded deed of trust and forgiven over a 5-, 10-, or 15-year affordability period tied to the subsidy amount. All assisted households must be at or below 80% AMI and occupy the home as their principal residence. 资金来自HUD HOME Investment Partnerships Program (HOME) funds; Pinal County is a HUD Entitlement/Urban County (designated 2019)。

Pinal County HOME Homeownership / Down Payment Assistance Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Sale of the property, transfer/change of title, or failure to occupy as principal residence during the affordability period. Upon a triggering sale during the affordability period the County recaptures the entire direct subsidy, limited to available net proceeds. 该援助以Second (recorded Deed of Trust + Promissory Note behind the first-position mortgage)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。

Pinal County HOME Homeownership / Down Payment Assistance Program面向将房屋作为主要住所自住的购房者。 居住要求：Property must be located within Pinal County. 公民身份或移民身份：HOME program rules apply (assistance limited to eligible households per federal HOME requirements). Direct down payment assistance is available 'when the county has an active program' - availability depends on current funding cycles and the County's Annual Action Plan priorities. Minimum HOME investment $1,000/unit; maximum set by HUD (240% of Section 234 per-unit limits). Buyer must be evaluated for ability to afford the mortgage. Deed restriction recorded for the affordability period; County monitors residency and recaptures on resale/title change.

Pinal County HOME Homeownership / 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。 Gross annual household income at or below 80% of Area Median Income (AMI). Uses Phoenix-Mesa-Scottsdale MSA HUD income limits, the 24 CFR Part 5 Annual Income definition, and the HUD CPD Income Eligibility Calculator. 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。

Pinal County HOME Homeownership / Down Payment Assistance Program的房价上限如下：Purchase price may not exceed 95% of the area median purchase price for the applicable single-family housing type (HUD HOME Homeownership Value Limits, updated annually). 符合条件的房屋类型包括Single Family、Condo、Manufactured和2-4 Unit。 新建房屋符合条件。 预制房屋符合条件。

Pinal County HOME Homeownership / Down Payment Assistance Program服务于在Pinal县，Arizona购房的购房者。

Pinal County HOME Homeownership / Down Payment Assistance Program的申请通过Pinal County Office of Budget & Finance (Grants Division)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。