Kokua Uku Uku Aupuni no ka Poe Kuai Home Manawa Ma LA County

ʻO ke kūʻai ʻana i home ma Los Angeles County hiki ke manaʻo e like me ke kaua piʻi, ʻoi aku hoʻi no nā mea kūʻai hale mua e kū nei i ka piʻi ʻana o ka waiwai.KEIAa me nā koi uku uku. ʻO ka mea pōmaikaʻi, hāʻawi ʻia nā papahana kōkua ʻo Government Down Payment Assistance, e like me ka HOP80 a me HOP120 ma o ka Los Angeles County Development Authority (LACDA), i kahi laina ola. Hoʻolālā kūikawā ʻia kēia mau hana no ka poʻe kūʻai hale mua ma nā wahi i hui ʻole ʻia o LA County a i ʻole nā ​​kūlanakauhale e komo ana i ka HOP, e hāʻawi ana i $100,000 a i ʻole $85,000 pakahi-i hoʻopaʻa ʻia ma 20% o ke kumukūʻai kūʻai-e kōkua i ka uhi ʻana i nā uku a me nā kumu pani. Me nā hiʻohiʻona e like me ke koho ʻole ʻana i ka uku uku a me nā hōʻaiʻē haʻahaʻa haʻahaʻa, ke hoʻololi nei kēia mau papahana i nā moemoeā homeownership i ʻoiaʻiʻo.

No ka poʻe kūʻai home mua, aia ka hoʻopiʻi ʻana o ke kōkua ʻana o ke Aupuni Down Payment Assistance i kona hiki. E lawe i ka papahana HOP80, no ka laʻana: ʻo ia ka pahuhopu i nā ʻohana e loaʻa ʻaʻole ʻoi aku ma mua o 80% o ka loaʻa kālā waena o ke kalana, ʻoiai ʻo HOP120 e hoʻonui i ka pono i ka poʻe e loaʻa ana i ka 120%. Hāʻawi nā papahana ʻelua i nā mea kūʻai aku e hoʻopaʻa i nā waiwai-nā hale ʻohana hoʻokahi, condos, a i ʻole hale kaona—me ke kumu kūʻai kūʻai kiʻekiʻe loa he $700,000 (HOP80) a i ʻole $850,000 (HOP120). ʻO ka mea hou aku, hele mai kēia mau hōʻaiʻē me ka 0% uku uku a me nā uku hoʻopaneʻe, ʻo ia hoʻi ʻaʻohe kaumaha o kēlā me kēia mahina. Hoʻomaka wale ʻia ka uku i ka wā i kūʻai ʻia ai ka home, hoʻololi ʻia, a ʻaʻole i noho hou ʻia ka mea nona ka hale, e hana ana i kahi ʻano hōʻaiʻē haʻahaʻa haʻahaʻa e ʻoi aku ka nui o ka hiki.

ʻO ka hiʻohiʻona zero down payment he game-changer. ʻOiai pono e hāʻawi ka poʻe noi i ka liʻiliʻi he 1% o ka uku hoʻohaʻahaʻa mai kā lākou kālā ponoʻī, uhi ʻia ke Kokua Uku Uku Aupuni i ka nui, e hoʻopau ana i ka pono e mālama i nā ʻumi kaukani ma mua. No ka laʻana, hiki i kahi hale $700,000 ma lalo o HOP80 ke ʻike i kahi $100,000 i uhi ʻia, e waiho ana i ka mea kūʻai mai e hāʻawi i $7,000 wale nō-he ʻokoʻa loa i ka uku kuʻuna 20% o $140,000. Kūlike kēia me nā ʻano ʻāina: e like me ka National Association of Realtors, 54% o nā mea kūʻai hale mua i ka makahiki 2023 i ʻōlelo ʻia i ka mālama kālā ʻana ma ke ʻano he mea nui loa. ʻO nā polokalamu e like me kēia alahaka e hoʻokaʻawale maikaʻi.

Ma waho aʻe o ke kōkua kālā, ʻo ke Kokua Hoʻohaʻahaʻa o ke Aupuni e pili ana i nā pale i kūkulu ʻia amea hooikaikas. ʻO ka mana HOP80-2025, no ka laʻana, e hōʻike ana i ka mahalo like ʻana - ka uku ʻana i ka hōʻaiʻē a me kahi hapa o ka piʻi ʻana o ka waiwai o ka home - akā nalo kēia koi inā noho ʻoe ma ka home no ʻelima mau makahiki. Hoʻonui ka HOP120-2025 i kēia manawa i 15 mau makahiki, e hāʻawi ana i ka maʻalahi. ʻO kēia mau huaʻōlelo e hōʻoia i ka poʻe kūʻai hale mua e hiki ke kūkulu i ke kaulike me ka ʻole o ke kaomi koke ʻana, ʻoiai e pōmaikaʻi ana i nā hōʻaiʻē haʻahaʻa haʻahaʻa e mālama ai i nā kumukūʻai.

He maʻalahi ka pono akā kikoʻī. Pono nā mea noi he kamaʻāina ʻAmelika a kamaʻāina mau paha, hoʻopau i kahi seminar hoʻonaʻauao homebuyer ʻewalu hola i ʻāpono ʻia e HUD, a kūʻai i hale noho mua ma LA County. ʻAʻole ʻae ʻia nā waiwai i noho ʻia inā ʻaʻole ia he kuʻikahi mea hoʻolimalima-kūʻai, e hōʻoiaʻiʻo ana e hoʻomau ka manaʻo i ka noho ʻana. Me ke Kokua Uku Uku o ke Aupuni, ua emi iho ka pilikia o ke ala e loaa ai ka hale, e haawi ana i ka hui pu ana o na koho uku ole, na aie uku haahaa, a me ke kokua i kupono no ka poe kuai hale mua ma kekahi o na makeke hale waiwai loa o Amerika.