Indlela Usizo Lwenkokhelo Kahulumeni Oluphansi Olusiza Ngayo LA Homebuyers

Hlangana no-Maria, umama ongayedwa futhi oqasha impilo yakhe yonke e-Los Angeles County, owayephupha ngokuba nomuzi kodwa wangakwazi ukonga imali eyanele ukuze akhokhelwe. Ngo-2024, wathola usizo lukaHulumeni Lwenkokhelo Ephansi ngohlelo lwe-HOP futhi waguqula lelo phupho laba ngokoqobo. Ngosizo Lokukhokha Okuphansi (I-DPA) ehlanganisa imali efinyelela ku-$85,000 yokuthenga kwakhe indlu yasedolobheni engu-$425,000, uMaria wathuthela emzini wakhe endaweni engahlanganisiwe ye-LA County—ubufakazi bokuthi izibonelelo zezindlu nemali mboleko exolelekayo kungenza umehluko emindenini ehola kancane kuya kwephakathi.

Usizo lukahulumeni lwenkokhelo ephansi, njengezinhlelo ze-HOP80 ne-HOP120, luyisisekelo sezindlu ezithengekayo e-LA County. Ilawulwa yi-LACDA, lezi zibonelelo zezindlu zinikeza kufika ku-$100,000 (HOP80) noma u-$85,000 (HOP120)—noma yikuphi okungaphansi kwama-20% yenani lokuthenga—kumuntu ohlala njalo.LEZInjengezindlu zomndeni owodwa, ama-condos, noma ama-townhouses. Ukubanjwa? Itholakala kuphela ku-LA County engahlanganisiwe noma emadolobheni abamba iqhaza e-HOP, ngezintengo zokuthenga eziphezulu ezingu-$700,000 no-$850,000, ngokulandelanayo. Ku-Maria, lokhu kwakusho ukufinyelela imalimboleko exolelekayo enenzalo engu-0% nezinkokhelo ezihlehlisiwe, ezikhokhwa kuphela uma ethengisa noma edlulisela indawo.

Isici semalimboleko exolelekayo siyisici esivelele. Ngaphansi kwe-HOP80-2025, uma u-Maria ehlala emzini wakhe iminyaka emihlanu, ingxenye yokubonga okwabelwana ngayo—lapho ayezokhokha khona imali ebolekiwe kanye nengxenye yokukhuphuka kwenani lekhaya—iyanyamalala. I-HOP120-2025 yelula lesi sikhathi sokuthethelela siye eminyakeni eyi-15, inikeze igumbi lokuphefumula elengeziwe. Lesi sakhiwo sibonisa ukuthambekela kwezibonelelo zezindlu ezweni lonke: ucwaningo lwango-2023 lwe-Urban Institute lwathola ukuthi imali ebolekiwe exolelekayo inyuse amanani obunikazi bezindlu ngo-12% phakathi kwabathengi abahola kancane, okuwubufakazi bomthelela wabo.

Indaba ka-Maria igqamisa amandla e-Down Payment Assistance (DPA). Uthole iziqu ngaphansi komkhawulo weholo le-HOP120 (u-120% wemali engenayo yesifunda) futhi waphothula isemina yemfundo egunyazwe yi-HUD yamahora ayisishiyagalombili, wathola isitifiketi sakhe ngaphambi kokuvalwa kwe-escrow. Lolu hlelo luphinde lwamboza izindleko zakhe zokuvala, okwanciphisa ubunzima bezimali. Usizo Lukahulumeni Lwenkokhelo Ephansi alunikezi nje izimali—lwakha ukuzethemba. U-Maria unikele ngo-1% wenkokhelo ephansi ($4,250) emalini abeyilondolozile, engaphansi kakhulu kuka-$85,000 abeyoyidinga ngaphandle kwe-DPA, ebonisa ukuthi lezi zibonelelo zezindlu zilinganisa kanjani inkundla.

Kwabanye e-LA County, Usizo Lwenkokhelo Kahulumeni Oluphansi lunikeza ithemba elifanayo. Noma ngabe ubheke i-condo engu-$600,000 noma ikhaya lomndeni owodwa elingu-$700,000, lezi zinhlelo zibhangqwa ne-FHA, VA, noma izikweletu ezijwayelekile ezinesilinganiso esinqunyiwe ukuze ubunikazi bufinyeleleke. Nge-Down Payment Assistance (DPA), imali ebolekiwe exolelekayo, kanye nezibonelelo zezindlu, i-LACDA ivula indlela yokuba imindeni eyengeziwe itshale izimpande emakethe encintisanayo.