California Homebuyer's Downpayment Assistance Program for First Time Home Buyers Page 2
b) A legal citizen of the United State, a permanent resident or a qualified alien.
The California Homebuyer's Downpayment Assistance Program is a deferred payment junior loan that can be used in conjunction with other CalHFA housing programs.
c) Satisfy the credit, loan, and income requirements that are set by CalHFA and the mortgage insurer
d) Able and willing to live in the AHPP-financed home until the end of the loan or until the house is refinanced or sold.
e) Willing to participate in a home buyer counseling program and must a have a certificate to verify it.
f) If the borrower is not a first time home buyer, he should be a veteran or a someone who is trying to acquire a home at a federally designated targeted area.
In terms of the property eligibility requirements, the borrower must choose a home that is:
1) Located in the State of California
2) Capable of becoming the borrower's primary residence
3) Priced within the limits set by CalHFA
4) Not larger than 5 acres
5) Categorized as a single family residence
6) A condominium or a unit in a planned unit development
In addition, borrowers under the CHDAP is also required to shell out a minimum contribution that is equal to 1% (or $1,000) of the total value of the property.
If you intend to read more about the California Homebuyer's Downpayment Assistance Program, you can visit http://www.calhfa.ca.gov/homebuyer/programs/chdap.htm.
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