Mortgage Assistance Program for the Disabled

HOYO Home of Your Own

Program of United Cerebral Palsy of Greater Houston

Homeownership is as desirable for people with disabilities as it is for anyone else in America, yet it is estimated that less than one percent of Americans with disabilities are homeowners versus sixty-six percent of those without disabilities. Currently through the Home of Your Own Program (HOYO), UCP is closing on 10-20 homes per year for individuals with disabilities who are low income and first time homebuyers.

Home of Your Own (HOYO) Program Services:

·         Down payment assistance for people with disabilities (based on availability of funds)

·         HUD-certified Homebuyer’s Education classes open to ALL individuals

·         Pre and post-purchase housing counseling Financial Literacy Counseling

Down Payment Assistance Funds Available: From $7,000-$25,000

 Down Payment Assistance Available

$ 10,000 per family

• Funds may be combined with the Harris County (DAP) program or SETH

• Individual must qualify for a FHA or Conventional fixed-rate loan through a lender of their choice.

• Other eligibility guidelines apply as listed below.

$7,000 per family

• Funds may be combined with any other down payment program in the Greater Houston Area, including (HAP), (DAP) and (SETH)

• Individual must qualify for a Conventional fixed-rate loan through an Amegy Bank lender.

• Other eligibility guidelines apply as listed below.

Eligibility Guidelines:

• At least one member in the household must have a disability.

• Total household income must be below 80% AMI.

• Individual must not have owned a home within the last 3 years.

• Individual must qualify for a 30-year fixed rate first mortgage loan.

• Individual must attend a Homebuyer’s Education Class.

• Home must be located in Harris County, Ft. Bend County, or Montgomery County, and pass.

For more information call Katie Thorstenberg at 713-838-9050  Ext 353