Chapter 1 - San Diego Housing Commission

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Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program - If the unit is a condominium and has the condominium fee that includes provisions for capital improvements, the major repair/replacement allowance will be $25 per unit; - SDHC utility allowance for the home; and - Principal and interest on debt incurred to finance major repairs, replacements or improvements on the home. For an individual with disabilities, such debt may include those costs incurred by the family to make the home accessible. O. PAYMENT STANDARD/SUBSIDY STANDARD For homeownership assistance, the payment standard for the family is the lower of: - The payment standard for the family unit size, or - The payment standard for the size of the home purchased (number of bedrooms in the house). At the annual anniversary, SDHC will apply a payment standard that is the greater of: - The payment as calculated in Section M, above, at the commencement of homeownership assistance, or - SDHC payment standard for family unit size, used at its most recent annual anniversary. [24 CFR 982.635] The SDHC subsidy standards determine the bedroom-size that SDHC assigns to the family based upon its size and composition. The subsidy standards are approved by SDHC Board of Commissioners; they generally remain the same from year to year and are available on SDHC web page. The initial subsidy standard applied to a homeownership family is the same standard used for the rental program. SDHC may adopt subsidy and occupancy standards different from the rental standards in the future based on MTW deregulation status. If the payment standard changes between the issuance of the Certificate of Eligibility and the date of commencement of homeownership assistance, SDHC will use the greater of the payment standard at issuance or commencement. The respective payment and subsidy standard applicable on the date of closing establishes the baseline payment and subsidy standards for the unit. The payment standard for subsequent years is the greater of the payment standard at the commencement of homeownership assistance or the payment standard at the most recent annual re-examination. Unlike the voucher rental assistance program, the initial payment standard shall be the base for future housing payments. The payment standard shall not drop below the initial amount due to changes by HUD or due to changes in family composition. P. PORTABILITY SDHC will permit portability of HCV homeownership assistance to another jurisdiction subject to SDHC policies governing portability. However, the family will lose all MTW flexibility and will be subject to the rules and regulations of the receiving jurisdiction. The receiving jurisdiction must operate a HCV Homeownership Program for which the applicant qualifies and it must be willing to administer new homeownership families. In order to remain eligible for the program, the participant must sell the current home purchased under the HCV Homeownership Program and incur no mortgage default. 15-18
Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program SDHC will also accept families from another HCV Homeownership Program subject to SDHC admission requirements for the homeownership program. It will administer the voucher if approved for homeownership. Q. MOVE WITH CONTINUED TENANT-BASED ASSISTANCE A family receiving homeownership assistance may move to a new unit with continued assistance. A family member must not own any title or other interest in the prior home and may not move more than once per year. SDHC will review all requests to move with continued tenant-based assistance and may deny permission to move based on lack of sufficient funding to provide continued assistance or based upon the violations listed in this document. R. FORECLOSURE OF ASSISTED HOMES It is the family’s responsibility to notify SDHC if they move into the foreclosure process. Once SDHC is aware that the foreclosure process has begun, the following steps will be taken: - The HAP will be placed on hold. - The family will be contacted to discuss the foreclosure. - SDHC will work with the family and/or lender to determine when the last mortgage payment was made. - A written request will be sent to the family to return all HAP payments made from the date the last mortgage payment was made. - A repayment agreement will not be allowed; all funds must be repaid within 30 days from the date of the request letter. - If the funds are not returned within that time, the case will be referred to PIU. The family may be terminated and the debt may be referred to a debt collection agency. SDHC will review foreclosures on a case-by-case basis to determine whether the family will be allowed to remain a program participant. S. TERMINATION OF HOMEOWNERSHIP ASSISTANCE A family’s homeownership assistance may be terminated if a family fails to comply with its obligations under the HCV Homeownership Program or if the family defaults on the mortgage. 1. Failure to Comply with Homeowner Obligations The family must comply with the terms of any mortgage incurred to purchase and/or refinance the home. The family must provide SDHC with written notice of any sale or transfer of any interest in the home; any plan to move out of the home prior to the move; notification of the family’s household composition and income and homeownership expenses on an annual basis; and any notice of mortgage default received by the family. Except as otherwise specified in this plan, the family may not convey or transfer the home to any entity or person. Homeownership assistance may be denied or terminated in accordance with any of the provisions listed at 24CFR 982.638 and/or SDHC requirements. 2. Occupancy of Home 15-19
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CHAPTER 1 - STATEMENT OF POLICIES A
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3. Veteran ________________________
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CHAPTER 5 - SUBSITY STANDARDS, VOUC
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CHAPTER 8 - ANNUAL REEXAMINATIONS A
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C. MOVING FORWARD: INSPECTIONS AND
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X. INFORMAL HEARING POLICY ________
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11. Utility Allowance _____________
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CHAPTER 15 - MOVING FORWARD: HOUSIN
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Chapter 1 - Statement of Policies a
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Chapter 4 - Tenant Rent Calculation
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Chapter 12 - Special Housing Types
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Chapter 13 - Special Programs D. TR
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Chapter 1 - San Diego Housing Commission

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