Iyo Hurumende Yekubhadhara Kubhadhara Rubatsiro Inobatsira LA Homebuyers

Sangana naMaria, amai vasina murume uye anoroja kweupenyu hwese muLos Angeles County, aishuvira kuva nemba asi aisakwanisa kuchengetedza mari inokwana kubhadhara. Muna 2024, akawana Rubatsiro rweHurumende Down Payment kuburikidza nechirongwa cheHOP uye akashandura chiroto ichocho kuita chokwadi. Nekubatsirwa Kwekubhadhara Pazasi (DPA) kufukidza $85,000 ye $425,000 yake yekutenga imba yemutaundi, Maria akatamira muimba yake pachake munharaunda isina kubatanidzwa yeLA County-uchapupu hwokuti mari yezvipo uye zvikwereti zvinoregererwa zvinogona kuita mutsauko kumhuri dzine mari shoma kusvika pakati-kati.

Hurumende Pasi Kubhadhara Rubatsiro, senge HOP80 uye HOP120 zvirongwa, ibwe repakona redzimba dzinodhura muLA County. Inotungamirirwa neLACDA, mari yezvipo iyi inopa mari inosvika madhora zana (HOP80) kana $85,000 (HOP120)—chero iri pasi pemakumi maviri muzana emutengo wekutenga — kumugari wekutanga.IZVIsedzimba dzemhuri imwe chete, makondomu, kana dzimba dzemutaundi. Kubata? Inongowanikwa mumaguta asina kubatanidzwa eLA County kana HOP-anotora chikamu, ane mitengo yepamusoro yekutenga inosvika $700,000 uye $850,000 zvichiteerana. Kuna Maria, izvi zvaireva kuwana chikwereti chinoregererwa ne 0% mubereko uye mari yakarembedzwa, inobhadharwa chete kana akatengesa kana kuchinja nzvimbo yacho.

Iyo inoregererwa chikwereti chikamu chinhu chakamira. Pasi peHOP80-2025, kana Maria akagara mumba make kwemakore mashanu, chikamu chekutenda chakagovaniswa — kwaaizodzosera chikwereti pamwe nechikamu chekuwedzera kukosha kwemba — chinonyangarika. HOP120-2025 inowedzera iyi nguva yekuregererwa kusvika kumakore gumi nemashanu, ichipa imwe nzvimbo yekufema. Chimiro ichi chinoratidza mafambiro ezvipo zvedzimba munyika yose: ongororo ye2023 Urban Institute yakawana kuti zvikwereti zvinoregererwa zvakawedzera mwero wevaridzi vemba ne12% pakati pevatengi vane mari shoma, humbowo hwekuita kwavo.

Nyaya yaMaria inosimbisa simba reKubhadhara Kubhadhara Rubatsiro (DPA). Akasvika pasi pemuhoro weHOP120 (120% yemari yedunhu) uye akapedza maawa masere edzidzo yakatenderwa neHUD, akawana chitupa chake chisati chavharwa. Chirongwa ichi chakafukidzawo mari yake yekuvhara, zvichirerutsa dambudziko remari. Hurumende Down Payment Assistance haingopi mari chete — inovaka chivimbo. Maria akapa 1% yemubhadharo wepasi ($4,250) kubva mumari yake yaakachengeta, iri pasi nekure paUS$85,000 yaaizoda pasina DPA, achiratidza kuti mipiro yedzimba iyi inoita sei.

Kune vamwe muLA County, Hurumende Down Payment Assistance inopa tariro yakafanana. Kunyangwe iwe uri kutarisa $600,000 condo kana $700,000-yemhuri yemhuri imwe chete, zvirongwa izvi zvinobatana neFHA, VA, kana zvakajairwa-yakajairwa-reti zvikwereti kuti humuridzi huwanikwe. Iine Down Payment Assistance (DPA), zvikwereti zvinoregererwa, uye rubatsiro rwedzimba, LACDA iri kugadzira nzira yekuti dzimwe mhuri dzidyare midzi mumusika unokwikwidza.