Home Ownership Program (HOP120)

Home Ownership Program (HOP120)是面向Los Angeles县，California购房者的增值共享贷款。 The Los Angeles County Development Authority (LACDA) Home Ownership Program (HOP120) provides up to $85,000 (or 20% of purchase price, whichever is less) in deferred 0% interest second-lien down payment assistance for first-time homebuyers (income up to 120% AMI) purchasing in unincorporated LA County or participating LACDA cities. Funded by HUD HOME, CDBG, and LA County General Fund. *** This program is a CALIFORNIA program; it is mislabeled as North Carolina on Freddie Mac's DPA One database. ***. Up to $85,000 (or 20% of purchase price, whichever is less) in deferred 0% interest second-lien financing for down payment and closing costs. Loan deferred for 30 years. due on sale, transfer, or end-of-term unless refinanced or recast. 资金来自HUD HOME; HUD CDBG; Los Angeles County General Fund。

Home Ownership Program (HOP120)提供最高$100,000的援助。 该项目要求购房者自付$1,000 minimum buyer contribution. 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。

Home Ownership Program (HOP120)在30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, transfer, refinance with cash-out, non-owner-occupancy, or 30-year maturity triggers repayment of full principal (no forgiveness). 该援助以2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 Ownership Program (HOP120)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time homebuyer required (3-year look-back). 关于信用，该项目说明：Minimum middle FICO 640. 须参加购房者教育课程，由HUD-approved counseling agency; LACDA-approved 8-hour homebuyer education required.提供。 居住要求：Property must be in unincorporated Los Angeles County, CA, or participating LACDA city (CA). 公民身份或移民身份：U.S. citizen or qualified alien required. *** DPA ONE MISLABEL FLAG: This program is mislabeled as a North Carolina program on Freddie Mac's DPA One. It is administered by the Los Angeles County Development Authority (LACDA) and serves UNINCORPORATED Los Angeles County, California (and select participating cities). This record is included in the NC research file ONLY because the seed list placed it there; it should be moved to the California file at compile time and excluded from any NC-state product. *** Property must be in unincorporated LA County or a participating LACDA city (not in incorporated cities of Los Angeles, Long Beach, Pasadena, etc.). First-time homebuyer required (3-year look-back). 640 minimum FICO. Income up to 120% LA County HUD AMI. Buyer contributes $1,000 own funds. PITI front-end ratio cap 35%; back-end 45%.

Home Ownership Program (HOP120)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income at or below 120% HUD AMI for Los Angeles-Long Beach-Glendale Metro Division (FY2025): 1p $82,500; 2p $94,250; 3p $106,000; 4p $117,800; 5p $127,250; 6p $136,650; 7p $146,100; 8p $155,550. 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。

Home Ownership Program (HOP120)将房价上限设为$850,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, planned-unit development. 新建房屋符合条件。 预制房屋不符合条件。

Home Ownership Program (HOP120)在其服务群体中提到了预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Home Ownership Program (HOP120)服务于在Los Angeles县，California购房的购房者。

Home Ownership Program (HOP120)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Apply via LACDA-approved lender; first-come, first-served.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。