{"id":12209,"date":"2025-11-17T14:00:00","date_gmt":"2025-11-17T05:00:00","guid":{"rendered":"https:\/\/blog.loaning.ai\/ko\/?p=12209"},"modified":"2026-03-17T19:04:01","modified_gmt":"2026-03-17T10:04:01","slug":"la-%ec%b2%ab-%ec%a3%bc%ed%83%9d-%ea%b5%ac%ec%9e%85%ec%9e%90-%ed%98%9c%ed%83%9d","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/ko\/12209\/","title":{"rendered":"2026\ub144 LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd \ucd1d\uc815\ub9ac: \uc138\uae08 \uacf5\uc81c\ubd80\ud130 \ub2e4\uc6b4\ud398\uc774 \uc9c0\uc6d0\uae4c\uc9c0"},"content":{"rendered":"\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n\n<style>\n    \/* \uc804\uccb4 \ubcf8\ubb38 \ud3f0\ud2b8 Pretendard\ub85c \uc124\uc815 *\/\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<div style=\"background: #f0f8ec; padding: 16px; margin: 20px 0; border-radius: 6px;\">\n  <p style=\"margin: 0; font-weight: bold; font-size: 18px; color: #333;\">\n    <span style=\"color: #191919;\">LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd\u00b7\uacf5\uc81c 3\uc904 \uc694\uc57d \ud83c\udfe0<\/span>\n  <\/p>\n  <ol style=\"margin-top: 10px; padding-left: 20px; line-height: 1.6; color: #444;\">\n    <li>LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd(\ud504\ub85c\uadf8\ub7a8): CalHFA MyHome, LIPA, MIPA, Greenline Home Program<\/li>\n    <li><span style=\"color: #777;\"><\/span>LA \ubd80\ub3d9\uc0b0 \uad6c\uc785 \ud6c4 \ubc1b\uc744 \uc218 \uc788\ub294 \uacf5\uc81c \ud61c\ud0dd: Section 121 \uc8fc\ud0dd \ube44\uacfc\uc138 (\uc591\ub3c4\uc138 \uc808\uc57d), SALT(\uc8fc\u00b7\uc9c0\ubc29\uc138) \uacf5\uc81c<\/li>\n    <li><span style=\"color: #777;\"><\/span>2026 \uccab \uc9d1 \uad6c\ub9e4 \ud50c\ub79c \uc124\uacc4\uac00 \ud544\uc694\ud558\ub2e4\uba74 \uacf5\uc2dd \ubaa8\uae30\uc9c0 \ub80c\ub354, Loaning.ai\uc640 \uc0c1\ub2f4\ud574 \ubcf4\uc138\uc694.<\/li>\n <\/ol>\n<\/div>\n\n\n\n<p>LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd, \uccb4\ud06c\ud574 \ubcf4\uc168\ub098\uc694? \uac19\uc740 80\ub9cc \ub2ec\ub7ec\uc758 \ub9e4\ubb3c\uc774\ub77c\ub3c4 \uccab \uc8fc\ud0dd\uc790 \ud504\ub85c\uadf8\ub7a8 \uc801\uc6a9 \uc5ec\ubd80\uc640 \uc774\ud6c4 \uc138\uae08 \uacf5\uc81c \ud56d\ubaa9\uc744 \uccb4\ud06c\ud588\ub294\uc9c0\uc5d0 \ub530\ub77c \ucd08\uae30 \ud604\uae08(\ub2e4\uc6b4\ud398\uc774\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9)\uacfc \uc5f0\uac04 \ubd80\ub2f4\uc561\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc5b4\uc694. 2026\ub144 \uae30\uc900\uc73c\ub85c, \ubcc0\uacbd\ub41c \ud61c\ud0dd\ub3c4 \uc788\uc73c\ub2c8 <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=real_estate_information&amp;utm_content=la-first-time-homebuyer-benefits\">Loaning.ai<\/a>\uc640 \ud568\uaed8 \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud504\ub85c\ubaa8\uc158\ubd80\ud130 \uad6c\ub9e4 \uc774\ud6c4 \uacf5\uc81c\u00b7\ube44\uacfc\uc138 \ud61c\ud0dd\uae4c\uc9c0 \ud55c\ubc88\uc5d0 \uccb4\ud06c\ud574 \ubcf4\uc138\uc694!<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-la-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd\uc758-\ubd84\ub958\"><strong>LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd\uc758 \ubd84\ub958<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-la-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790\uc5d0\uc11c-\uc815\uc758\ud558\ub294-first-time-homebuyer\ub780\"><strong>LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790\uc5d0\uc11c \uc815\uc758\ud558\ub294 First-Time Homebuyer\ub780?<\/strong><\/h3>\n\n\n\n<p>\uc77c\ubc18\uc801\uc73c\ub85c <strong>\ucd5c\uadfc 3\ub144 \ub3d9\uc548 \uc9d1\uc744 \uc18c\uc720\ud55c \uc801\uc774 \uc5c6\ub294 \uc0ac\ub78c<\/strong>\uc744 \uccab \uc8fc\ud0dd \uad6c\uc785\uc790\ub85c \ud310\ub2e8\ud569\ub2c8\ub2e4.<br>\uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd\uc740 \ud06c\uac8c \ub450 \uac00\uc9c0 \uce21\uba74\uc73c\ub85c \uad6c\ubd84\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div style=\"background: #F2F4F5; padding: 16px; margin: 20px 0; border-radius: 6px;\">\n<p style=\"margin: 0; font-weight: bold; font-size: 18px; color: #333;\">\n  <div style=\"margin-top: 10px; line-height: 1.6; color: #444;\">\n    <div style=\"margin-bottom: 10px;\">\n      <strong>A. \uc9d1\uc744 \uc0b4 \ub54c, \ubcf4\uc720\ud560 \ub54c \ubc1b\ub294 \ub2e4\uc6b4\ud398\uc774\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9 \uc9c0\uc6d0<\/strong><br>\n     &#8211; CalHFA MyHome Assistance Program, LIPA, MIPA, Greenline Home Program\n    <\/div>\n\n    <div>\n      <strong>B. \uc9d1\uc744 \uc0b0 \ub4a4, \uc138\uae08 \uc2e0\uace0\uc5d0\uc11c \ubc1b\uc744 \uc218 \uc788\ub294 \uacf5\uc81c\u00b7\ube44\uacfc\uc138<\/strong><br>\n      &#8211; SALT(\uc8fc\u00b7\uc9c0\ubc29\uc138) \uacf5\uc81c<br>\n      &#8211; \uc9d1\uc744 \ud314 \ub54c \uc801\uc6a9\ub418\ub294 Section 121 \uc8fc\ud0dd \ube44\uacfc\uc138 \uaddc\uc815 \ub4f1\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2026-la-\ub2e4\uc6b4\ud398\uc774-\ud074\ub85c\uc9d5-\ube44\uc6a9-\uc9c0\uc6d0-\ud504\ub85c\uadf8\ub7a8\"><strong>2026 LA \ub2e4\uc6b4\ud398\uc774\u00b7\ud074\ub85c\uc9d5 \ube44\uc6a9 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8<\/strong><\/h2>\n\n\n\n<p><strong>\uce98\ub9ac\ud3ec\ub2c8\uc544 \uc8fc \uc815\ubd80(CalHFA)\ub294 \ubb3c\ub860,<\/strong> \ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uc2dc \uc8fc\ud0dd\uad6d(LAHD), \ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uce74\uc6b4\ud2f0(DCBA)\uc5d0\uc11c\ub3c4 \ub0b4 \uc9d1 \ub9c8\ub828\uc744 \uc704\ud55c \ub2e4\uc591\ud55c \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\ub4e4\uc744 \uc6b4\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc7a5 \uc720\uba85\ud55c CalHFA(MyHome Assistance Program)\ubd80\ud130, \uac01 \uc9c0\uc790\uccb4\ubcc4\ub85c \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\ub294\uc9c0 \uc0b4\ud3b4 \ubcfc\uae4c\uc694?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"270\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-1024x270.png\" alt=\"\" class=\"wp-image-12211\" style=\"width:850px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-1024x270.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-300x79.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-768x203.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-1536x405.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-2048x541.png 2048w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-750x198.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d1-1140x301.png 1140w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u25b2 (\uc88c\uce21\ubd80\ud130)\uce98\ub9ac\ud3ec\ub2c8\uc544 \uc8fc \uc815\ubd80(CalHFA), \ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uc2dc \uc8fc\ud0dd\uad6d(LAHD), \ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uc2dc \uc8fc\ud0dd\uad6d(LAHD)<\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-calhfa-myhome-assistance-program-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ub300\ud45c-\uc9c0\uc6d0\">1\ufe0f\u20e3&nbsp; <strong>CalHFA MyHome Assistance Program &#8211; \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ub300\ud45c \uc9c0\uc6d0<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>CalHFA MyHome Assistance Program<\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\ub300\uc0c1<\/td><td>\uc9c0\ub09c 3\ub144 \ub3d9\uc548 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud55c \uc18c\uc720\uad8c\uc774 \uc804\ud600 \uc5c6\uc5c8\ub358 \uc2e0\uaddc \uc8fc\ud0dd \uad6c\ub9e4\uc790<\/td><\/tr><tr><td>\uc0ac\uc6a9 \uc6a9\ub3c4<\/td><td>\ub2e4\uc6b4\ud398\uc774(down payment) \ud074\ub85c\uc9d5 \ube44\uc6a9(closing costs) \ubcf4\uc870<\/td><\/tr><tr><td>\uc9c0\uc6d0 \ud55c\ub3c4<\/td><td>&#8211; FHA \ub4f1 \uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c: \uc9d1\uac12 \ub610\ub294 \uac10\uc815\uac00\uc758 \ucd5c\ub300 2.5%\uae4c\uc9c0<br>&#8211; \ucee8\ubca4\uc154\ub110(Conventional) \ub300\ucd9c: \uc9d1\uac12 \ub610\ub294 \uac10\uc815\uac00\uc758 \ucd5c\ub300 3%\uae4c\uc9c0<\/td><\/tr><tr><td>\uc0c1\ud658 \uc2dc\uc810<\/td><td>\uc8fc\ud0dd \ub9e4\uac01\/ \uc18c\uc720\uad8c \uc774\uc804 \uc2dc, \uc7ac\uc735\uc790(\ub9ac\ud30c\uc774) \uc2dc, \ubaa8\uae30\uc9c0 \uc644\ub0a9 \uc2dc<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-lahd-lipa-low-income-purchase-assistance-\uc800\uc18c\ub4dd\uce35-\uccab-\uc9d1-\uc9c0\uc6d0\"><strong>2\ufe0f\u20e3&nbsp;LAHD LIPA(Low Income Purchase Assistance) &#8211; \uc800\uc18c\ub4dd\uce35 \uccab \uc9d1 \uc9c0\uc6d0<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>LAHD LIPA(Low Income Purchase Assistance)<\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\ub300\uc0c1<\/td><td>&#8211; \uc9c0\ub09c 3\ub144 \ub3d9\uc548 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud55c \uc18c\uc720\uad8c\uc774 \uc804\ud600 \uc5c6\uc5c8\ub358 \uc2e0\uaddc \uc8fc\ud0dd \uad6c\ub9e4\uc790<br>&#8211; \ubbf8\uad6d \uc2dc\ubbfc, \ud569\ubc95\uc801 \uc601\uc8fc\uad8c\uc790 \ub610\ub294 \uae30\ud0c0 \uc790\uaca9\uc744 \uac16\ucd98 \uc678\uad6d\uc778<br>&#8211; \ucd5c\uc18c 660\uc810\uc758 \uc911\uac04 FICO \uc2e0\uc6a9 \uc810\uc218<\/td><\/tr><tr><td>\uc0ac\uc6a9 \uc6a9\ub3c4<\/td><td>\ub2e4\uc6b4\ud398\uc774(down payment) \ud074\ub85c\uc9d5 \ube44\uc6a9(closing costs) \ubcf4\uc870<\/td><\/tr><tr><td>\uc9c0\uc6d0 \ud55c\ub3c4<\/td><td>&#8211; \uc120\ubd88\uae08, \ub9c8\uac10 \ube44\uc6a9, \uc778\uc218 \ube44\uc6a9\uc744 \uc704\ud55c \ucd5c\ub300 $161,000\ub2ec\ub7ec\uc758 \ub300\ucd9c \uc9c0\uc6d0<br>&#8211; \ubb34\uc774\uc790<\/td><\/tr><tr><td>\uc0c1\ud658 \uc2dc\uc810<\/td><td>\uc8fc\ud0dd \ub9e4\uac01\/ \uc18c\uc720\uad8c \uc774\uc804 \uc2dc, \uc7ac\uc735\uc790(\ub9ac\ud30c\uc774) \uc2dc, \ubaa8\uae30\uc9c0 \uc644\ub0a9 \uc2dc<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><th><strong>\uac00\uad6c \uaddc\ubaa8<\/strong><\/th><td><strong>1<\/strong><\/td><td><strong>2<\/strong><\/td><td><strong>3<\/strong><\/td><td><strong>4<\/strong><\/td><\/tr><tr><th><strong>\uc800\uc18c\ub4dd \ud55c\ub3c4<\/strong><\/th><td>$<strong>84,850<\/strong> \uc774\ud558<\/td><td>$<strong>96,950<\/strong> \uc774\ud558<\/td><td>$<strong>109,050<\/strong> \uc774\ud558<\/td><td>$<strong>121,150<\/strong> \uc774\ud558<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">cf. \uc5f0\uac04 \uac00\uad6c \uc800\uc18c\ub4dd\ud55c\ub3c4 (AMI\uc758 \ucd5c\ub300 80%)<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-nbsp-lahd-mipa-moderate-income-purchase-assistance-\uc911\uc0b0\uce35-\uad6c\ub9e4-\uc9c0\uc6d0\">3\ufe0f\u20e3&nbsp;<strong>LAHD MIPA(Moderate Income Purchase Assistance) &#8211; \uc911\uc0b0\uce35 \uad6c\ub9e4 \uc9c0\uc6d0<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>MIPA(Moderate Income Purchase Assistance)<\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\ub300\uc0c1<\/td><td>-\uc9c0\ub09c 3\ub144 \ub3d9\uc548 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud55c \uc18c\uc720\uad8c\uc774 \uc804\ud600 \uc5c6\uc5c8\ub358 \uc2e0\uaddc \uc8fc\ud0dd \uad6c\ub9e4\uc790<br>&#8211; \ubbf8\uad6d \uc2dc\ubbfc, \ud569\ubc95\uc801 \uc601\uc8fc\uad8c\uc790 \ub610\ub294 \uae30\ud0c0 \uc790\uaca9\uc744 \uac16\ucd98 \uc678\uad6d\uc778<br>&#8211; \ucd5c\uc18c 660\uc810\uc758 \uc911\uac04 FICO \uc2e0\uc6a9 \uc810\uc218<\/td><\/tr><tr><td>\uc0ac\uc6a9 \uc6a9\ub3c4<\/td><td>\ub2e4\uc6b4\ud398\uc774(down payment) \ud074\ub85c\uc9d5 \ube44\uc6a9(closing costs) \ubcf4\uc870<\/td><\/tr><tr><td>\uc9c0\uc6d0 \ud55c\ub3c4<\/td><td>&#8211; \ucd5c\ub300 $115,000\ub2ec\ub7ec\uc758 \uc120\ubd88\uae08, \ub9c8\uac10 \ube44\uc6a9, \uc778\uc218 \ube44\uc6a9 \ub300\ucd9c<br>&#8211; \ubb34\uc774\uc790<\/td><\/tr><tr><td>\uc870\uac74<\/td><td>8\uc2dc\uac04 \ubd84\ub7c9\uc758 \uc8fc\ud0dd \uad6c\ub9e4\uc790 \uad50\uc721 \uc218\uc5c5\uc5d0 \ucc38\uc11d<br>LAHD\uac00 \uc2b9\uc778\ud55c&nbsp;\uc81c\uacf5\uc790&nbsp;\uc911 \ud55c \uacf3\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc8fc\ud0dd \uc0c1\ub2f4 \uc774\uc218<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><th><strong>\uac00\uad6c \uaddc\ubaa8<\/strong><\/th><td><strong>1<\/strong><\/td><td><strong>2<\/strong><\/td><td><strong>3<\/strong><\/td><td><strong>4<\/strong><\/td><\/tr><tr><th><strong>\uc911\uac04 \uc18c\ub4dd \ud55c\ub3c4<\/strong><\/th><td>$<strong>84,851 \u2013$121,400<\/strong><\/td><td>$<strong>96,951 \u2013$138,700<\/strong><\/td><td>$<strong>109,051 \u2013$156,050<\/strong><\/td><td>$<strong>121,151 \u2013$173,350<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">cf. \uc911\uac04 \uc18c\ub4dd 120 (81% \u2013 120% AMI)<\/figcaption><\/figure>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color has-small-font-size wp-elements-d2232707af0f1c030d9f0fbfcd85c33b\"><em>cf. MCC\uc758 \uacbd\uc6b0 23\ub144 4\uc6d4 26\uc77c \uc790\uae08 \uc18c\uc9c4\ub418\uc5b4 \uc9c0\uc6d0 \uc911\ub2e8. 25\ub144 11\uc6d4 \uae30\uc900 \uc7ac\uac1c \uc5ec\ubd80 \uacb0\uc815\ub418\uc9c0 \uc54a\uc74c. (\ucd9c\ucc98: <a href=\"https:\/\/housing.lacity.gov\/\">\ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uc2dc \uc8fc\ud0dd\uad6d<\/a>)<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-nbsp-greenline-home-program-\uce74\uc6b4\ud2f0-\uae30\ubc18-\ud604\uae08-\uc9c0\uc6d0\">4\ufe0f\u20e3&nbsp;<strong>Greenline Home Program &#8211; \uce74\uc6b4\ud2f0 \uae30\ubc18 \ud604\uae08 \uc9c0\uc6d0<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong><strong>Greenline Home Program<\/strong><\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\ub300\uc0c1<\/td><td>&#8211; \ub85c\uc2a4\uc564\uc824\ub808\uc2a4 \uce74\uc6b4\ud2f0\uc5d0 \uac70\uc8fc\ud558\ub294 \uc2e0\uaddc \uc8fc\ud0dd \uad6c\ub9e4\uc790<br>&#8211; \uc9c0\ub09c 3\ub144 \ub3d9\uc548 \ubd80\ub3d9\uc0b0\uc5d0 \ub300\ud55c \uc18c\uc720\uad8c\uc774 \uc804\ud600 \uc5c6\uc5c8\ub358 \uc2e0\uaddc \uc8fc\ud0dd \uad6c\ub9e4\uc790<br>&#8211; \uc800\uc18c\ub4dd\uce35~\uc911\uc0b0\uce35 \uac70\uc8fc\uc790<\/td><\/tr><tr><td>\ud61c\ud0dd<\/td><td>\uacc4\uc57d\uae08, \ub9c8\uac10 \ube44\uc6a9 \uc9c0\uc6d0\uc744 \uc704\ud55c \ucd5c\ub300 $35,000\ub2ec\ub7ec\uc758 \ubcf4\uc870\uae08<\/td><\/tr><tr><td>\uc870\uac74<\/td><td>8\uc2dc\uac04 \ubd84\ub7c9\uc758 \uc8fc\ud0dd \uad6c\ub9e4\uc790 \uad50\uc721 \uc218\uc5c5\uc5d0 \ucc38\uc11d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><em>* \uac01 \ud504\ub85c\uadf8\ub7a8\uc740 \uc608\uc0b0 \uc18c\uc9c4, \ubc95\u00b7\uc870\ub840 \uac1c\uc815\uc5d0 \ub530\ub77c \ub9e4\ub144 \uc870\uac74\uacfc \ub0b4\uc6a9, \uc2e0\uccad \uc2dc\uae30 \ub4f1\uc774 \uc790\uc8fc \ubc14\ub00c\uae30 \ub54c\ubb38\uc5d0, \uc2e4\uc81c \uc9c0\uc6d0 \uac00\ub2a5 \uc5ec\ubd80\ub294 \uc804\ubb38\uac00\ub97c \ud1b5\ud574 \ub2e4\uc2dc \ud55c\ubc88 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=real_estate_information&amp;utm_content=la-first-time-homebuyer-benefits\"><img loading=\"lazy\" decoding=\"async\" width=\"740\" height=\"159\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA.png\" alt=\"\" class=\"wp-image-12212\" style=\"width:741px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA.png 740w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA-300x64.png 300w\" sizes=\"auto, (max-width: 740px) 100vw, 740px\" \/><\/a><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934\">.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2026-la-\ubd80\ub3d9\uc0b0-\uad6c\ub9e4\uc790-\uc138\uae08-\uacf5\uc81c-\ud61c\ud0dd\"><strong>2026 LA \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\uc790 \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd<\/strong><\/h2>\n\n\n\n<p>\uc9d1\uac12\uc774 \uc544\ubb34\ub9ac \uc62c\ub77c\ub3c4, \uc7ac\uc0b0\uc138\ub294 \ub9e4\ub144 \ucd5c\ub300 2%\uae4c\uc9c0\ub9cc \uc624\ub974\uac8c \ub9c9\uc544\uc8fc\ub294 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uc7ac\uc0b0\uc138 \ubcf4\ud638 \uc7a5\uce58\uc778 Prop13 \uc774\uc678\uc5d0\ub3c4, \uc9d1\uc744 \uc0b0 \ub4a4\uc5d0\ub294 <strong>\uc5f0\ub9d0 \uc138\uae08 \uc2e0\uace0<\/strong>\uc5d0\uc11c \uba87 \uac00\uc9c0 \uc911\uc694\ud55c \uacf5\uc81c\u00b7\ube44\uacfc\uc138 \uaddc\uc815\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"270\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-1024x270.png\" alt=\"\" class=\"wp-image-12214\" style=\"width:850px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-1024x270.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-300x79.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-768x203.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-1536x405.png 1536w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-2048x541.png 2048w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-750x198.png 750w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d2-1140x301.png 1140w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-section-121-\uc8fc\ud0dd-\ube44\uacfc\uc138-\uc591\ub3c4\uc138-\uc808\uc57d\">1\ufe0f\u20e3&nbsp; <strong>Section 121 \uc8fc\ud0dd \ube44\uacfc\uc138_\uc591\ub3c4\uc138 \uc808\uc57d<\/strong><\/h3>\n\n\n\n<p>\uc9d1\uc744 \ud314 \ub54c\ub294 \uc7ac\uc0b0\uc138\ubcf4\ub2e4 \uc591\ub3c4\uc138(\uc18c\ub4dd\uc138)\ub97c \uc911\uc810\uc801\uc73c\ub85c \uace0\ub824\ud574\uc57c \ud558\uba70, \uc798 \ud65c\uc6a9\ud558\uba74 \uc0c1\ub2f9\ud55c \uc591\ub3c4\ucc28\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong><strong><strong>Section 121 \uc8fc\ud0dd \ube44\uacfc\uc138<\/strong><\/strong><\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\uc885\ub958<\/td><td>\uc591\ub3c4\uc18c\ub4dd\uc138 \uc808\uc57d<\/td><\/tr><tr><td>\uc870\uac74<\/td><td>\ucd5c\uadfc 5\ub144 \uc911 <strong>2\ub144 \uc774\uc0c1<\/strong> \ud574\ub2f9 \ubd80\ub3d9\uc0b0\uc744 \uac70\uc8fc\uc6a9\uc73c\ub85c \uc0ac\uc6a9(\uc2e4\uac70\uc8fc)<\/td><\/tr><tr><td>\ud61c\ud0dd<\/td><td>\uc9d1\uc744 \ud314\uc544 \uc0dd\uae34 \uc774\uc775 \uc911 \ucd5c\ub300 50\ub9cc \ub2ec\ub7ec\uae4c\uc9c0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <br>&#8211; \ubbf8\ud63c \ub0a9\uc138\uc790: <strong>\ucd5c\ub300 250,000\ub2ec\ub7ec\uae4c\uc9c0 \uacf5\uc81c<\/strong><br>&#8211; \uae30\ud63c \ub0a9\uc138\uc790(\ubd80\ubd80 \uacf5\ub3d9 \uc2e0\uace0): <strong>\ucd5c\ub300 500,000\ub2ec\ub7ec\uae4c\uc9c0 \uacf5\uc81c<\/strong><br>2\ub144\ub9c8\ub2e4 1\ud68c \ube44\uacfc\uc138 \uc801\uc6a9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-salt-\uc8fc-\uc9c0\ubc29\uc138-\uacf5\uc81c-2026\ub144-\ud655\ub300\">2\ufe0f\u20e3&nbsp;<strong>SALT(\uc8fc\u00b7\uc9c0\ubc29\uc138) \uacf5\uc81c \u2013 2026\ub144 \ud655\ub300<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong><strong><strong><strong>SALT(\uc8fc\u00b7\uc9c0\ubc29\uc138) \uacf5\uc81c<\/strong><\/strong><\/strong><\/strong><\/th><th>\uc0c1\uc138<\/th><\/tr><\/thead><tbody><tr><td>\uc885\ub958<\/td><td>\uc8fc \uc18c\ub4dd\uc138, \ubd80\ub3d9\uc0b0\uc138, \uac1c\uc778 \uc7ac\uc0b0\uc138 \uacf5\uc81c<\/td><\/tr><tr><td>\uc870\uac74<\/td><td>&#8211; \ud56d\ubaa9\ubcc4 \uacf5\uc81c(Itemized deduction) \uc120\ud0dd\uc790<br>&#8211; \uc8fc \uc18c\ub4dd\uc138\u00b7\ubd80\ub3d9\uc0b0\uc138\u00b7\uac1c\uc778 \uc7ac\uc0b0\uc138 \uc2e4 \ub0a9\ubd80\uc790<\/td><\/tr><tr><td>\ud61c\ud0dd<\/td><td>\ubd80\ub3d9\uc0b0\uc138\uc640 \uc8fc \uc18c\ub4dd\uc138\ub97c \uc5f0\ubc29 \uc18c\ub4dd\uc5d0\uc11c \uacf5\uc81c\ud568\uc73c\ub85c\uc368 \uc138\uae08 \uc808\uac10 \uac00\ub2a5<br>2025\ub144 <strong>OBBBA \ubc95\uc548 \ud1b5\uacfc\ub85c \uc778\ud55c 2026 \uacf5\uc81c \ud55c\ub3c4 \uc0c1\ud5a5<\/strong> <br>&#8211; 2025\ub144: $40,000\ub2ec\ub7ec<br>&#8211; 2026\ub144: $40,400\ub2ec\ub7ec (\ub9e4\ub144 1% \uc778\uc0c1 \uc608\uc815)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>2026 LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd\u00b7\uc138\uae08 \uacf5\uc81c \uc798 \ud655\uc778\ud574 \ubcf4\uc168\ub098\uc694?<br>\ub098\uc5d0\uac8c \ub9de\ub294 \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd\uacfc \uc138\uae08 \uacf5\uc81c \ud56d\ubaa9\uc774 \uad81\uae08\ud558\uc2dc\ub2e4\uba74, \ud55c\uad6d\uc778\uc744 \uc704\ud55c \ubaa8\uae30\uc9c0 \ub80c\ub354 <a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=real_estate_information&amp;utm_content=la-first-time-homebuyer-benefits\">Loaning.ai<\/a>\uc744 \ud1b5\ud574 \ud655\uc778\ud574 \ubcf4\uc138\uc694. \ub2f9\uc2e0\uc758 \uc870\uac74\u00b7\uc608\uc0b0\u00b7\uc77c\uc815\uc5d0 \ub9de\ucdb0 <strong>2026 \uccab \uc9d1 \uad6c\ub9e4 \ud50c\ub79c\uc744 \ud568\uaed8 \uc124\uacc4\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3.png\" alt=\"\" class=\"wp-image-12215\" style=\"width:800px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3.png 1024w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3-300x216.png 300w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3-768x554.png 768w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3-120x86.png 120w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/LA-\uccab-\uc8fc\ud0dd-\uad6c\uc785\uc790-\ud61c\ud0dd-\uc778\ud3ec\uadf8\ub798\ud53d-3-750x541.png 750w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/loaning.ai\/ko?utm_source=blog_official&amp;utm_medium=loaning_kr&amp;utm_campaign=real_estate_information&amp;utm_content=la-first-time-homebuyer-benefits\"><img loading=\"lazy\" decoding=\"async\" width=\"740\" height=\"159\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA.png\" alt=\"\" class=\"wp-image-12212\" style=\"width:741px\" srcset=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA.png 740w, https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/11\/PITIA-300x64.png 300w\" sizes=\"auto, (max-width: 740px) 100vw, 740px\" \/><\/a><\/figure>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color has-small-font-size wp-elements-4063e77c123c222c83e60a21540d334c\">* \ubcf8 \uae00\uc740 LA \ubd80\ub3d9\uc0b0\u00b7\ubaa8\uae30\uc9c0\u00b7\uc138\ubb34 \uc815\ubcf4\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud55c \uc77c\ubc18 \uc815\ubcf4 \uc81c\uacf5\uc6a9 \ucf58\ud150\uce20\uc785\ub2c8\ub2e4. \uc138\ubb34\u00b7\ubc95\ub960\u00b7\ub300\ucd9c\u00b7\ud22c\uc790 \uc790\ubb38\uc73c\ub85c \ud574\uc11d\ub420 \uc218 \uc5c6\uc73c\uba70, \uc5b4\ub5a0\ud55c \uac1c\uc778\uc758 \uc138\ubb34\u00b7\uc7ac\uc815\u00b7\ubd80\ub3d9\uc0b0 \uacb0\uc815\ub3c4 \ubcf8 \uae00\ub9cc\uc73c\ub85c \ud310\ub2e8\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<br>* SALT \uacf5\uc81c, \ubaa8\uae30\uc9c0 \uc774\uc790 \uacf5\uc81c, Section 121 \ube44\uacfc\uc138, CalHFA\u00b7LAHD \ud504\ub85c\uadf8\ub7a8 \ub4f1\uc740 \uc18c\ub4dd\u00b7\uac70\uc8fc\uc9c0\u00b7\ub300\ucd9c \uad6c\uc870 \ub4f1 \uac1c\uc778\ubcc4 \uc870\uac74\uc5d0 \ub530\ub77c \uc801\uc6a9 \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\uba70, \uad00\ub828 \ubc95\ub960 \ubc0f \ud504\ub85c\uadf8\ub7a8 \uc870\uac74\uc740 \ub9e4\ub144 \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.*<br>* \uc2e4\uc81c \uc758\uc0ac\uacb0\uc815 \uc804\uc5d0\ub294 \ubc18\ub4dc\uc2dc \uacf5\uc778\ub41c \uc804\ubb38\uac00(CPA, \ubc95\ub960 \uc790\ubb38, \uacf5\uc2dd \ubaa8\uae30\uc9c0 \ub80c\ub354 \ub4f1)\uc640 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ubcf8 \uae00\uc758 \uc815\ubcf4\ub294 \uc791\uc131\uc77c \uae30\uc900\uc774\uba70, \uc0ac\uc804 \uacf5\uc9c0 \uc5c6\uc774 \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.*<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>LA \uccab \uc8fc\ud0dd \uad6c\uc785\uc790 \ud61c\ud0dd, \uc870\uae08\ub9cc \uccb4\ud06c\ud558\uba74 \ucd08\uae30 \ud604\uae08\uacfc \uc218\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc5f0\uac04 \uc138\ud6c4 \ubd80\ub2f4\uc561\uc744 \uc808\uc57d\ud560 \uc218 \uc788\uc5b4\uc694. \ub193\uce58\uae30 \uc26c\uc6b4 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc9c0\uc6d0\uc744 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4. \uc9d1\uac12 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ud575\uc2ec \uc804\ub7b5\uc744 \uc9c0\uae08 \ubc14\ub85c \ud655\uc778\ud574 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