City of Albuquerque Affordable Homeownership Assistance

City of Albuquerque Affordable Homeownership Assistance是面向Albuquerque，New Mexico购房者的延期第二贷款，由City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust)管理。 Since 2018 the City of Albuquerque has contracted annually with local nonprofits to provide down-payment assistance of up to $40,000 to low- and moderate-income homebuyers purchasing a home in Albuquerque. The program is funded with federal CDBG and HOME funds and the City's Workforce Housing Trust Fund through the City's Consolidated Plan / Annual Action Plan, and is delivered through nonprofit subrecipients Homewise and Sawmill Community Land Trust. The City has allocated roughly $1 million per year to the program; the PY2025 Action Plan budgets CDBG $1,279,000, CDBG Program Income $21,000, and HOME Program Income $100,000 to Affordable Homeownership Assistance. Down-payment assistance up to $40,000 for income-qualified buyers purchasing within the City of Albuquerque; paired with homebuyer education and counseling through the delivering nonprofits. 资金来自U.S. HUD Community Development Block Grant (CDBG) and HOME Investment Partnerships funds, plus the City of Albuquerque Workforce Housing Trust Fund, administered through the City's Consolidated Plan / Annual Action Plan。

City of Albuquerque Affordable Homeownership Assistance提供最高$40,000的援助。 该项目可与May be combined with first mortgages and other assistance offered by the delivering nonprofit (e.g., Homewise mortgage products) and potentially other DPA sources, subject to subrecipient and HUD rules.结合使用。 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City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust)决定。

City of Albuquerque Affordable Homeownership Assistance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。 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 Albuquerque Affordable Homeownership Assistance面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Homewise; Sawmill Community Land Trust (HUD-certified homebuyer education)提供。 居住要求：Property must be located within the City of Albuquerque。 Program is administered by the City but delivered through nonprofit subrecipients (Homewise, Sawmill CLT); prospective buyers apply through those nonprofits, not directly to the City. The City's applicant-facing page does not publish detailed eligibility terms (income limits as a percentage/dollar, credit score, DTI, interest rate, lien position, loan term, forgiveness period, repayment trigger, fees); those are set by the delivering nonprofit and HUD CDBG/HOME rules and were left blank rather than guessed. The $40,000 maximum and ~$1M/year funding figures are from the City's affordable-housing documentation and Annual Action Plan. Assistance is subject to annual funding availability. first_time_homebuyer set false because the City program (unlike the SCLT product) is described as serving low/moderate-income homebuyers generally, not exclusively first-time buyers; confirm with the delivering nonprofit.

City of Albuquerque Affordable Homeownership Assistance的收入限制如下：Targeted to low- and moderate-income homebuyers per HUD CDBG/HOME income limits for the Albuquerque area; specific percentage and dollar limits are set by the delivering nonprofit subrecipient and HUD limits and were not published on the City's applicant-facing page. 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 Albuquerque Affordable Homeownership Assistance可用于Single Family、Condo和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

City of Albuquerque Affordable Homeownership Assistance服务于在Albuquerque，New Mexico购房的购房者。

City of Albuquerque Affordable Homeownership Assistance的申请通过City of Albuquerque, Department of Health, Housing & Homelessness (Community Development); delivered through nonprofit subrecipients (Homewise and Sawmill Community Land Trust)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Delivered by City-contracted nonprofit subrecipients. Prospective buyers contact Homewise (505-243-6566) or Sawmill Community Land Trust (505-764-0359) to apply; assistance is provided on a first-qualified basis subject to annual 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。