ReCoverCA Homebuyer Assistance Program (DR-HBA)

ReCoverCA Homebuyer Assistance Program (DR-HBA)是面向California购房者的可免除贷款。 Forgivable loan up to $300,000 for households displaced by California fire/flood disasters (2017, 2018, 2020, 2023, 2024 declared disasters). Funded by CDBG-DR. Forgiven after 5 years of owner-occupancy. Program launched Nov 10, 2025 with flood priority for first 30 days. Up to $300,000 in assistance. loan forgiven after required occupancy. 资金来自Federal CDBG-DR (HUD)。

ReCoverCA Homebuyer Assistance Program (DR-HBA)在5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, or loss of occupancy before 5 years。 该援助以Second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。

ReCoverCA Homebuyer Assistance Program (DR-HBA)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Minimum 640 FICO score required for all borrowers。 须参加购房者教育课程。 居住要求：Primary residence; must have been displaced by declared CA disaster。 公民身份或移民身份：U.S. citizen, permanent resident alien, or other eligible non-citizen。 Available to survivors of declared disasters (wildfires up to $350K, floods up to $300K). 80% AMI income limit. 5-year forgivable loan. Must have been displaced or had home destroyed in federally-declared disaster. California-specific program.

ReCoverCA Homebuyer Assistance Program (DR-HBA)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。 Low to moderate income: household income ≤120% AMI. 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。

ReCoverCA Homebuyer Assistance Program (DR-HBA)的房价上限如下：Contact program for current purchase price limits。 符合条件的房屋类型包括Single-family (1-4 unit), FHA-approved condominium, townhome/PUD。 新建房屋符合条件。 预制房屋不符合条件。

ReCoverCA Homebuyer Assistance Program (DR-HBA)服务于在California任何地方购房的购房者。

ReCoverCA Homebuyer Assistance Program (DR-HBA)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Contact provider directly; subject to funding availability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。