PHA Opening Doors to Affordable Homeownership Program (ODAHP)

PHA Opening Doors to Affordable Homeownership Program (ODAHP)是面向Philadelphia，Pennsylvania购房者的第二抵押贷款，由Philadelphia Housing Authority (PHA), Homeownership Department管理。 The Opening Doors to Affordable Homeownership Program consolidates the Philadelphia Housing Authority's homeownership initiatives under its Homeownership Department: the Section 5h scattered sites program, the Housing Choice Voucher homeownership program, and newer financing options. Participants work with PHA's Homeownership Department to review their financial status, credit standing and household goals, and must complete approved homeownership counseling and financial literacy courses. Participants choose one form of financing support. A soft second mortgage of up to a maximum of $50,000 per household may be provided, provided that the household is not receiving other PHA homeownership assistance. In lieu of monthly voucher assistance, participants may instead take one-time down payment assistance up to a maximum of $15,000 per household. A lease to purchase option escrows a portion of the tenant rent during the lease period and applies it to the down payment at the time of purchase. Households may alternatively keep monthly Housing Assistance Payments for up to 15 or 30 years. PHA authorizes only the minimum amount needed to close the affordability gap based on individual household circumstances. Residents in PHA's homeownership pipeline are encouraged to enroll in the Turn the Key program, where PHA residents receive first preference for homeownership units built on land PHA transferred to the City Land Bank. 资金来自PHA Moving to Work funding。

PHA Opening Doors to Affordable Homeownership Program (ODAHP)提供最高$50,000的援助。 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Philadelphia Housing Authority (PHA), Homeownership Department决定。

PHA Opening Doors to Affordable Homeownership Program (ODAHP)在20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：Default that is not cured during the 20-year recapture period; the amount PHA recoups decreases 5% annually over the term. 该援助以2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。

PHA Opening Doors to Affordable Homeownership Program (ODAHP)面向首次购房者。 “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。 居住要求：Open to Philadelphia Housing Authority public housing residents and Housing Choice Voucher program participants. Participants must meet all program eligibility requirements, including successful completion of approved homeownership counseling and financial literacy courses. The soft second mortgage option is available provided that the household is not receiving other PHA homeownership assistance. Participants receiving down payment assistance or a soft second mortgage are not recertified. PHA staff work to maximize household eligibility for other non-PHA down payment and closing cost assistance. If demand exceeds available budget, PHA establishes a wait list based on date and time of application. PHA ceased new enrollments in the Public Housing Section 5h scattered-sites program during FY 2026.

PHA Opening Doors to Affordable Homeownership Program (ODAHP)服务于在Philadelphia，Pennsylvania购房的购房者。

PHA Opening Doors to Affordable Homeownership Program (ODAHP)的申请通过Philadelphia Housing Authority (PHA), Homeownership 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。