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Infill Housing Homebuyer Requirements

The Infill Housing Program's  main goal is to increase the availability of affordable homes for low and moderate-income families. Other goals include:

  • Maintaining a stock of affordable housing;
  • Redeveloping urban neighborhoods by eliminating the blight of vacant, dilapidated or abandoned properties;
  • Equitably distributing homeownership opportunities within the Infill Target Areas;
  • Generating payment of ad valorem taxes.

Qualifications

Every dwelling unit developed through the Infill Housing Program must be sold to a low or moderate-income household to be used as their primary residence. A household is deemed qualified once they have met the following requirements.

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Homeownership Counseling Providers

The eligible household must complete a homeownership training course through a participating homeownership counseling providers  that provides financial management, credit counseling and other related technical services to participating families.

This is done for the purpose of financing a single-family home. 

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First-time homebuyer

The eligible household must be a first-time homebuyer. A first-time homebuyer is an individual who meets any one of the following criteria:

  • An individual who has had no ownership interest in a principal residence during the three-year period ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are considered first-time homebuyers);
  • A single parent who has only owned a home with a former spouse while married;
  • An individual who is a displaced homemaker and has only owned with a spouse;
  • An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
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Income verification

The eligible household must provide proof, in the form of a mortgage commitment letter, that they meet the income level requirements of a low or moderate-income household.

A low-income household is defined as a household whose total annual income is 80% or below of the Area Median Income (AMI). A moderate-income household is defined as a household whose total annual income is above 80% of AMI, but less than 140%.

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Affordability control

Every home built through the Infill Housing Initiative must be sold to a qualified household at or below the maximum sales price set by the Program. At closing, the buyer is required to execute and record an Affordable Housing Restrictive Covenant , which states the home shall remain affordable for a minimum of 20 years (the "Control Period"); and, that if the owner desires to sell the home prior to the expiration of the "Control Period," the owner must:

  • Notify the Infill Housing Program that the home is for sale;
  • Sell the home to another qualified buyer at or below the maximum sales price as established in the covenant
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Purchasing a home

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Page Last Edited: Wed Mar 26, 2014 10:48:33 AM
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