Nūhou ʻOihana
Pehea e kōkua ai ke kōkua ʻana o ke aupuni i ka poʻe kūʻai hale o LA
E hālāwai me Maria, he makuahine hoʻokahi a me ka mea hoʻolimalima ola ma Los Angeles County, ka mea i moeʻuhane e loaʻa kahi home akā ʻaʻole hiki ke mālama i ka lawa no ka uku. I ka makahiki 2024, ua ʻike ʻo ia i ke Kokua Hoʻohaʻahaʻa o ke Aupuni ma o ka papahana HOP a ua hoʻololi i kēlā moeʻuhane i ʻoiaʻiʻo. Me ke kōkua uku uku (DPA) e uhi ana i $85,000 o kāna $425,000 kūʻai hale kaona, ua neʻe ʻo Maria i kona home ponoʻī ma kahi ʻāpana ʻaʻole i hoʻohui ʻia ʻo LA County - hōʻoia e hiki i nā hāʻawi hale a me nā hōʻaiʻē kala ʻia ke hoʻololi i nā ʻohana haʻahaʻa haʻahaʻa.
ʻO ke Kokua Hoʻohaʻahaʻa o ke Aupuni, e like me nā polokalamu HOP80 a me HOP120, he pōhaku kihi o nā hale kūʻai ma LA County. Mālama ʻia e ka LACDA, hāʻawi kēia mau haʻawina hale a hiki i $100,000 (HOP80) a i ʻole $85,000 (HOP120)—ʻo kēlā me kēia mea i emi iho ma mua o 20% o ke kumukūʻai kūʻai—no ka noho mua.KEIAe like me nā hale ʻohana hoʻokahi, condos, a i ʻole nā hale kaona. ʻO ka hopu? Loaʻa wale ia ma nā kūlanakauhale ʻaʻole i hoʻohui ʻia ʻo LA County a i ʻole HOP i komo, me nā kumukūʻai kūʻai kiʻekiʻe loa he $700,000 a me $850,000. No Maria, ʻo ia ka manaʻo o ke komo ʻana i kahi hōʻaiʻē kala ʻia me 0% ukupanee a me nā uku hoʻopaneʻe, hiki ke uku ʻia inā kūʻai aku a hoʻololi paha i ka waiwai.
ʻO ke ʻano hōʻaiʻē kala ʻia he hiʻohiʻona kū. Ma lalo o HOP80-2025, inā noho ʻo Maria ma kona home no ʻelima mau makahiki, e nalowale ana ka māhele mahalo—kahi āna e uku ai i ka hōʻaiʻē a me kekahi hapa o ka hoʻonui waiwai o ka home. Hoʻonui ka HOP120-2025 i kēia manawa kala i 15 makahiki, e hāʻawi ana i kahi lumi hanu hou aku. Hōʻike kēia ʻano hana i nā ʻano o nā hāʻawi hale i ka ʻāina holoʻokoʻa: ua ʻike ʻia kahi noiʻi 2023 Urban Institute ua hoʻonui ʻia nā hōʻaiʻē kala ʻia i ka nui o ka home ma ka 12% ma waena o nā mea kūʻai haʻahaʻa, he hōʻike i ko lākou hopena.
Hōʻike ka moʻolelo a Maria i ka mana o Down Payment Assistance (DPA). Ua kūpono ʻo ia ma lalo o ka palena loaʻa kālā o HOP120 (120% o ka loaʻa kālā waena o ke kalana) a ua hoʻopau i kahi seminar hoʻonaʻauao ʻewalu hola i ʻāpono ʻia e HUD, e loaʻa ana kāna palapala hōʻoia ma mua o ka pani ʻana o ka escrow. Ua uhi pū ka papahana i kāna mau koina pani, e hoʻomāmā i ka pilikia kālā. ʻAʻole hāʻawi kālā ke Kokua Hoʻohaʻahaʻa o ke Aupuni — hoʻokumu ia i ka hilinaʻi. Hāʻawi ʻo Maria i 1% o ka uku mua ($4,250) mai kāna waihona, ʻoi aku ka liʻiliʻi ma mua o ka $85,000 e pono ai ʻo ia me ka ʻole o DPA, e hōʻike ana i ke ʻano o kēia mau haʻawina hale i ka pae pāʻani.
No nā poʻe ʻē aʻe ma LA County, ke hāʻawi nei ke Kokua Hoʻohaʻahaʻa o ke Aupuni i ka manaʻolana like. Inā ʻoe e ʻimi nei i kahi condo $600,000 a i ʻole he hale ʻohana hoʻokahi $700,000, hui pū kēia mau papahana me FHA, VA, a i ʻole nā hōʻaiʻē paʻa paʻa e hiki ai ke loaʻa ka kuleana. Me ke kōkua ʻana i ka uku hoʻohaʻahaʻa (DPA), nā hōʻaiʻē kala ʻia, a me nā haʻawina hale, ke wehe nei ka LACDA i ke ala no nā ʻohana hou aʻe e kanu i nā aʻa i kahi mākeke hoʻokūkū.