Western Arizona Community Alliance (WACA) Individual Development Account (IDA)

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)是面向Yuma，Arizona购房者的补助金，由Western Arizona Community Alliance (WACA), an affiliate of Western Arizona Council of Governments (WACOG)管理。 WACA's Individual Development Account (IDA) is a matched-savings program that helps low-income Yuma County residents save toward the purchase of a first home (or higher education). For every dollar a participant saves, WACA contributes a $3 match, paid directly to the title company at closing. Participants must save for at least six months, make minimum monthly deposits, follow an action plan, and complete free financial-capability and certified 8-hour pre-purchase homebuyer classes. The program is risk-free with no penalty for early exit. 资金来自IDA matched-savings program funds (administered by WACA/WACOG)。

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)属于补助金，因此无需偿还。 触发还款的情形：None - matched funds are a grant disbursed to the title company at closing (no repayment). 该援助以None (grant)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。

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)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WACA (free Financial Capability classes and a certified 8-hour pre-purchase homebuyer class)提供。 居住要求：Must be a Yuma County resident. (assistance_amount: 3:1 match on participant savings) Participant must be at least 16, have earned income, have household net worth under $10,000 (excluding one car and one home), have household income at or below 200% of the Federal Poverty Level, and be a Yuma County resident. Must open a no-fee savings account at a partner institution with a minimum $25 deposit, save for at least 6 months with minimum monthly deposits, follow an action plan, and complete financial and pre-purchase classes. Match is paid directly to the title company.

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)的收入限制如下：Household income must be at or below 200% of the Federal Poverty Level; household net worth must be under $10,000 (excluding one car and one home). 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。

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)可用于First home (single-family primary residence)。

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)服务于在Yuma，Arizona购房的购房者。

Western Arizona Community Alliance (WACA) Individual Development Account (IDA)的申请通过Western Arizona Community Alliance (WACA), an affiliate of Western Arizona Council of Governments (WACOG)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Download and complete the IDA Application Packet, then call/email to schedule an enrollment appointment.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。