Thandizo la Boma Lolipilira Pansi Limathandizira LA Homebuyers

Kumanani ndi Maria, mayi wosakwatiwa komanso wobwereketsa kwa moyo wake wonse ku Los Angeles County, yemwe amalakalaka kukhala ndi nyumba koma osasunga ndalama zokwanira kuti alipire. Mu 2024, adapeza thandizo la Government Down Payment kudzera mu pulogalamu ya HOP ndikusintha malotowo kukhala owona. Ndi Thandizo la Malipiro Ochepa (DPA) kuwononga ndalama zokwana $85,000 za $425,000 zimene anagula m’tauniyo, Maria anasamukira m’nyumba yake m’dera losaphatikizidwa la LA County—umboni wakuti ndalama zopezera nyumba ndi ngongole zokhululukidwa zingapangitse kusiyana kwa mabanja opeza ndalama zochepa.

Thandizo Lolipirira Boma, monga mapulogalamu a HOP80 ndi HOP120, ndi mwala wapangodya wa nyumba zotsika mtengo ku LA County. Motsogozedwa ndi LACDA, ndalama zogulira nyumbazi zimapereka mpaka $100,000 (HOP80) kapena $85,000 (HOP120)—chilichonse chomwe chili chochepera 20% ya mtengo wogulira—kwa wokhalamo woyamba.IZImonga nyumba zabanja limodzi, ma condos, kapena nyumba zamatauni. Nsomba? Imapezeka m'mizinda yopanda anthu ya LA County kapena HOP yomwe ili ndi mitengo yokwera kwambiri ya $700,000 ndi $850,000 motsatana. Kwa Maria, izi zinatanthauza kupeza ngongole yokhululukidwa ndi chiwongola dzanja cha 0% ndi zolipirira zochedwetsedwa, zobwezedwa pokhapokha ngati atagulitsa kapena kusamutsa malowo.

Ngongole yokhululukidwa ndi chinthu chodziwika bwino. Pansi pa HOP80-2025, ngati Maria akhala m'nyumba yake kwa zaka zisanu, gawo loyamikira lomwe adagawana - komwe angabweze ngongoleyo kuphatikiza gawo la mtengo wanyumbayo - limasowa. HOP120-2025 imakulitsa nthawi yokhululukayi mpaka zaka 15, ndikupatsanso chipinda chopumira chochulukirapo. Kapangidwe kameneka kakuwonetsa momwe ndalama zanyumba zimakhalira m'dziko lonselo: kafukufuku wa 2023 Urban Institute adapeza kuti ngongole zokhululukidwa zidachulukitsa umwini wa eni nyumba ndi 12% mwa ogula omwe amapeza ndalama zochepa, umboni wa momwe amathandizira.

Nkhani ya Maria ikuwonetsa mphamvu ya Down Payment Assistance (DPA). Anayenerera pansi pa malipiro a HOP120 (120% ya ndalama zapakati pachigawo) ndipo anamaliza maphunziro a maola asanu ndi atatu ovomerezedwa ndi HUD, ndipo adalandira satifiketi yake asanatseke. Pulogalamuyi idalipiranso ndalama zotsekera, ndikuchepetsa mavuto azachuma. Thandizo la Boma Lolipilira Pansi Silimangopereka ndalama zokha, koma limalimbitsa chikhulupiriro. Maria anapereka 1% ya ndalama zomwe anabweza ($4,250) kuchokera mu ndalama zomwe anasunga, zochepera kwambiri kuposa $85,000 zomwe akanafunikira popanda DPA, kusonyeza momwe ndalama zopezera nyumbazi zimayendera.

Kwa ena ku LA County, Thandizo la Boma Lopereka Malipiro limapereka chiyembekezo chofanana. Kaya mukuyang'ana nyumba ya $600,000 kapena $700,000 yokhala ndi banja limodzi, mapulogalamuwa amaphatikiza FHA, VA, kapena ngongole zokhazikika kuti umwini ukhale wotheka. Ndi Down Payment Assistance (DPA), ngongole zokhululukidwa, ndi ndalama zothandizira nyumba, LACDA ikutsegulira njira kuti mabanja ambiri abzale mizu pamsika wampikisano.