House to Homeownership (H2O) Down Payment Assistance Loan Program

House to Homeownership (H2O) Down Payment Assistance Loan Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Boulder، Colorado. The City of Boulder's House to Homeownership (H2O) Program is a shared-appreciation down payment assistance loan program for first-time homebuyers purchasing a market-rate home within Boulder city limits. The City provides up to $100,000 as a zero-interest, deferred-payment second mortgage. No monthly payments are required for up to 30 years. The loan becomes due in full upon sale, refinance, or transfer of title, plus a share of the home's appreciation proportional to the City's investment. The program is administered on the City's behalf by Impact Development Fund (IDF), a Colorado CDFI. Zero-interest, deferred shared-appreciation second mortgage of up to $100,000 toward the purchase of a market-rate home in Boulder city limits. No monthly payments for up to 30 years. principal plus a percentage of appreciation due at sale, refinance, or title transfer. يأتي التمويل من Local Government وCity Affordable Housing Fund.

House to Homeownership (H2O) Down Payment Assistance Loan Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها الجهة المسؤولة عن إدارة البرنامج. يُستحق السداد عند Sale, refinance, or title transfer وno monthly payments for the 30-year term. Principal plus the City's pro-rata share of appreciation is due in full at the trigger event. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

House to Homeownership (H2O) Down Payment Assistance Loan Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Divorced applicants within the prior 3 years are exempt from the first-time-homebuyer requirement. بشأن الائتمان، ينص البرنامج على: Not published by the City; subject to first-mortgage lender underwriting. يلزم إكمال دورة لمشتري المنازل، عبر City of Boulder homebuyer orientation; HUD-approved homebuyer education courses required prior to closing. شرط الإقامة: Must work in the City of Boulder; home must be located within City of Boulder city limits and be owner-occupied. الجنسية أو وضع الهجرة: U.S. citizen or qualified non-citizen per first-mortgage lender requirements. First-time homebuyer (no homeownership in prior 3 years, divorce exception). Must work in the City of Boulder with at least 1 year of work history within most recent 12 months and 30+ hours/week (unless retired or disabled). Minimum $2,000 buyer contribution. DTI may not exceed 42%. Asset cap (125% of income max) applies; some retirement assets are exempt. Maximum bedrooms may exceed household size by only one. Owner-occupied; rental restrictions apply. Must qualify for first mortgage and complete city orientation plus homebuyer education.

يحدد House to Homeownership (H2O) Down Payment Assistance Loan Program دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income capped at 120% AMI per HUD Boulder MSA. Income max by household size: 1-person $126,600; 2-person $144,600; 3-person $162,720; 4-person $180,720; 5-person $195,240; 6-person $209,640; 7-person $224,160; 8-person $238,560. Asset max equals 125% of income max ($158,250-$298,200). Note: Freddie Mac DPA One reflects an older income table ($111,600-$210,360); current City of Boulder limits are higher. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع House to Homeownership (H2O) Down Payment Assistance Loan Program حدًا لسعر الشراء على النحو التالي: No fixed maximum purchase price published; loan capped at $100,000 and limited by first-mortgage underwriting and Boulder market rate home values. تشمل أنواع العقارات المؤهلة Single-family detached، Townhome وCondominium (market-rate, owner-occupied). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم House to Homeownership (H2O) Down Payment Assistance Loan Program مشتري المنازل الذين يشترون في Boulder، Colorado.

تُقدَّم طلبات House to Homeownership (H2O) Down Payment Assistance Loan Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served; applicants apply directly to Impact Development Fund (IDF). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.