Los Angeles LIPA Program

Los Angeles LIPA Program是面向Los Angeles县，California购房者的延期第二贷款。 The City of Los Angeles Low Income Purchase Assistance (LIPA) Program helps first-time, low-income homebuyers purchase homes within city limits. The program provides a deferred-payment subordinate loan at 0% interest for down payment, closing costs, and acquisition costs. Borrowers must contribute a minimum of 1% of the purchase price from their own funds. Income must be at or below 80% AMI. Up to $161,000 for down payment, closing costs, and acquisition. 0% interest with no monthly payments. 30-year deferred repayment (due on sale, transfer, first mortgage payoff, or at 30-year maturity). minimum 1% borrower contribution from own funds. available for single-family, condo, and townhome purchases within City of Los Angeles limits. 资金来自Local Government。

Los Angeles LIPA Program提供$90,000至$161,000的援助，具体取决于购房者符合的援助档次。 援助档次“Standard LIPA”——最高$161,000。 适用对象：Income at or below 80% AMI; first-time homebuyer; City of LA resident purchasing within city limits。 购房者自付部分：Minimum 1% of purchase price from borrower's own funds。 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。

Los Angeles LIPA Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale、Transfer of Title和Maturity Date。 该援助以2nd Lien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。

Los Angeles LIPA 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。 该项目列出的最低信用分数为660。 须参加购房者教育课程，由HUD-approved homebuyer counseling agency; 8-hour education course required prior to application提供。 居住要求：City Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Property must be within City of Los Angeles city limits (not just LA County). Minimum 1% of purchase price from borrower's own funds required. Must occupy as primary residence for the life of the loan. Completion of 8-hour homebuyer education course required.

Los Angeles LIPA 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。 2025 income limits (80% AMI, City of LA): 1 person $84,850; 2 persons $96,950; 3 persons $109,050; 4 persons $121,150; 5 persons $130,850; 6 persons $140,550. 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。

Los Angeles LIPA Program将房价上限设为$973,750。 符合条件的房屋类型包括Single Family、Condo和Townhouse。

Los Angeles LIPA Program服务于在Los Angeles县，California购房的购房者。

Los Angeles LIPA 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。