City of Alexandria Homebuyer's Assistance Program (HAP)

City of Alexandria Homebuyer's Assistance Program (HAP)是面向Alexandria，Louisiana购房者的可免除贷款，由City of Alexandria Community Development Department管理。 The City of Alexandria's Homebuyer's Assistance Program (HAP), administered by the Community Development Department and authorized by HUD, provides direct subsidy assistance for up to 50% of down payment, mortgage principal reduction, closing costs, and/or education/training to first-time homebuyers at or below 80% of area median income, purchasing an existing or newly constructed home within Alexandria city limits. Assistance is a forgivable loan whose affordability period scales with the amount (5 years under $15,000 up to 15 years over $40,000). The program was created in 1992. Direct subsidy up to 50% of down payment. Principal reduction and closing-cost assistance. Forgivable over the affordability period. Existing or new-construction homes eligible. Long-running program (since 1992). 资金来自HUD Community Development Block Grant (CDBG) and/or HOME Investment Partnerships Program funds and/or other available funds.

City of Alexandria Homebuyer's Assistance Program (HAP)是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Forgivable over a HUD affordability period tied to the assistance amount (under $15,000 = 5-year minimum affordability period; over $40,000 = 15-year minimum). Subject to HOME/CDBG recapture if owner-occupancy is not maintained. 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。

City of Alexandria Homebuyer's Assistance Program (HAP)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：Exceptions for single parents who became divorced within the past 3 years and for displaced homemakers. 须参加购房者教育课程，由Education/training referenced as an eligible use of program assistance; provider to be confirmed.提供。 First-time homebuyer (no ownership interest in past 3 years per HUD) required, with exceptions for recently divorced single parents and displaced homemakers.

City of Alexandria Homebuyer's Assistance Program (HAP)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。 Household income at or below 80% of HUD area median income for the City of Alexandria. Specific dollar limits by household size to be confirmed with the Community Development Department (current guidelines PDF was unavailable/404 at verification). 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。

City of Alexandria Homebuyer's Assistance Program (HAP)可用于Single Family。 新建房屋符合条件。

City of Alexandria Homebuyer's Assistance Program (HAP)服务于在Alexandria，Louisiana购房的购房者。

City of Alexandria Homebuyer's Assistance Program (HAP)的申请通过City of Alexandria Community Development Department办理，该机构在其网站上公布现行条款和申请步骤。 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。