City of Boise Homeownership Opportunity Program (HOP)

City of Boise Homeownership Opportunity Program (HOP) هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Boise، Idaho، وتديره City of Boise, Housing and Community Development (HCD). The City of Boise provides homebuyer assistance in the form of a subordinate deferred mortgage to qualified buyers purchasing homes within Boise city limits. Funds can be used toward down payment and/or closing costs and to reduce the size of the buyer's first mortgage. Supported primarily by the City's CDBG entitlement funds, with PRICE funds available for manufactured-home purchases. Referrals accepted only through designated partners (NeighborWorks Boise and LEAP Housing). Up to $45,000 toward down payment, closing costs, and gap financing for fee-simple homes (up to $65,000 for community land trust / deed-restricted leasehold homes). Deferred subordinate loan with no monthly payments; repaid at sale or transfer. يأتي التمويل من U.S. HUD Community Development Block Grant (CDBG) entitlement funds; PRICE funds for manufactured homes.

يقدم City of Boise Homeownership Opportunity Program (HOP) مساعدة تصل إلى $65,000. فئات المنحة: Fee-simple: up to $45,000. CLT/deed-restricted leasehold: up to $65,000. Home Improvement Program relocation cases: max total assistance $65,000 with max sales price $60,000. مساهمة مشتري المنزل: Buyers must contribute at least 0.5% of the purchase price (waived for Home Improvement Program relocation referrals). يمكن الجمع بين البرنامج وOther DPA (HOME funds DPA, IHFA second mortgage). المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ City of Boise, Housing and Community Development (HCD) هي التي تحدد أي مبلغ يُمنح لكل شخص.

City of Boise Homeownership Opportunity Program (HOP) هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها City of Boise, Housing and Community Development (HCD). يُستحق السداد عند Due at sale or transfer. Repayment equals original assistance multiplied by the cumulative rate of appreciation (future sales price / original purchase price), limited to net proceeds. Leasehold/deed-restricted units follow the City's Resale Policy. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (junior) to the primary first mortgage. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

City of Boise Homeownership Opportunity Program (HOP) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر Finally Home! or other HUD-approved homeownership counseling course. شرط الإقامة: Property must be within Boise city limits and occupied as principal residence. Referrals accepted only through partner organizations (NeighborWorks Boise or LEAP Housing). Property must pass HUD housing standard (HQS/NSPIRE) before purchase and be move-in ready. City conducts a HUD environmental review before closing. Buyers with liquid assets above $35,000 must invest the excess before receiving assistance. Buyers must have post-closing savings of at least two times their total monthly payment. PRICE-funded manufactured homes must be built after 1976. Maximum award reviewed annually each October.

يحدد City of Boise Homeownership Opportunity Program (HOP) دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Gross household income must be at least 50% and no more than 80% of Area Median Income (AMI) as published annually by HUD, calculated per 24 CFR 5.609. All persons named on the loan must occupy the home and their income is included. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع City of Boise Homeownership Opportunity Program (HOP) حدًا لسعر الشراء على النحو التالي: No fixed maximum for standard purchases; for Home Improvement Program relocation referrals, maximum sales price is $60,000. تشمل أنواع العقارات المؤهلة Single Family، Condominium، Townhome، Manufactured Home وModular Home. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم City of Boise Homeownership Opportunity Program (HOP) مشتري المنازل الذين يشترون في Boise، Idaho. يستهدف البرنامج مناطق محددة: Assistance available only for properties within Boise city limits.

تُقدَّم طلبات City of Boise Homeownership Opportunity Program (HOP) عبر City of Boise, Housing and Community Development (HCD)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Referral-based through partner organizations; committed by City Loan Committee in three documentation phases. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.