NACA Homeownership through Public Housing Assistance (HOT-PHA)

NACA Homeownership through Public Housing Assistance (HOT-PHA)是面向Statewide，California购房者的补助金。 PHA Voucher payment + NACA Best in America Mortgage. No down, no closing costs, no PMI, below-market fixed rate. Voucher amount fluctuates with income changes, eliminating risk. Section 8 Housing Choice Voucher (HCV) recipients combine voucher with NACA's no-down-payment, no-PMI, below-market-rate mortgage. Voucher payment goes directly to lender. Borrower can become debt-free in 20 years or less. 这是一个全国项目，适用范围不限于单个州或城市。 资金来自HUD Housing Choice Voucher Program + NACA。

NACA Homeownership through Public Housing Assistance (HOT-PHA)属于补助金，因此无需偿还。 触发还款的情形：per first mortgage terms。 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。

NACA Homeownership through Public Housing Assistance (HOT-PHA)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Required - NACA homebuyer workshop提供。 Sourced via Homebuyer Wallet (NT20250012). Restricted to Section 8 / Housing Choice Voucher (HCV) holders whose Public Housing Authority offers HCV homeownership. Member must complete NACA Workshop.

NACA Homeownership through Public Housing Assistance (HOT-PHA)的收入限制如下：HCV income criteria (PHA-set, very-low-income focus)。 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。

NACA Homeownership through Public Housing Assistance (HOT-PHA)可用于Single-family, Condo, Townhouse, 2-4 unit owner-occupied。

NACA Homeownership through Public Housing Assistance (HOT-PHA)是全国项目，因此不限于某一个州。

NACA Homeownership through Public Housing Assistance (HOT-PHA)的申请通过管理该项目的机构办理。 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。