Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) هو رهن عقاري أول لمشتري المنازل في Idaho، وتديره Idaho Housing and Finance Association. The First Loan Tax-Exempt is Idaho Housing's mortgage revenue bond first-mortgage product offering first-time homebuyers below-market interest rates, often up to 1% lower than other loan programs. Because it is financed with tax-exempt bonds under IRC Section 143, it carries first-time-homebuyer, county income, and county sales-price limits, and a potential federal recapture tax if the home is sold within nine years at a gain by a borrower whose income has risen above the limit. It can be combined with Idaho Housing down payment and closing-cost assistance, letting buyers purchase with as little as 0.5% of their own funds. Interest rates often up to 1% lower. Available with Conventional/FHA/VA/USDA. Can be combined with Idaho Housing DPA. Higher limits and waived FTHB rule in targeted counties. Statewide via IHFA-approved lenders. يأتي التمويل من Tax-exempt Mortgage Revenue Bonds (MRBs) issued by IHFA under IRC Section 143.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها Idaho Housing and Finance Association. يُستحق السداد عند Recapture tax may apply if the home is sold within the first 9 years AND the borrower realizes a capital gain AND modified adjusted gross income at sale exceeds the program's adjusted income limit. تُسجَّل المساعدة في مرتبة الرهن: First. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. يلزم إكمال دورة لمشتري المنازل، عبر Finally Home! (IHFA homebuyer education, finallyhome.org). شرط الإقامة: Borrower must be a resident of Idaho. First-time homebuyer (except in targeted counties); Idaho residency; county-specific income and sales-price limits; Finally Home! education when using DPA or for first-time borrowers using Fannie/Freddie HFA products; non-occupying co-borrowers not allowed; subject to federal recapture tax; funds limited and program subject to change.

يحدد Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) حد الدخل على النحو التالي: Income limits by county and household size for First Loan Tax-Exempt (effective 5-6-26): 1-2 person households roughly $101,600-$143,160; 3+ person roughly $116,840-$167,020 depending on county. Annual gross household income used. 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 Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) حدًا لسعر الشراء على النحو التالي: Home sales price limits set per county (effective 5-6-26), ranging from $566,354 in many non-targeted counties up to $970,629 in Lincoln County. تشمل أنواع العقارات المؤهلة Single Family، Condo، Townhouse وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) مشتري المنازل الذين يشترون في أي مكان في Idaho. يستهدف البرنامج مناطق محددة: Idaho designates targeted counties (e.g. Adams, Bear Lake, Benewah, Bingham, Boise, Bonner, Boundary, Canyon, Cassia, Clark, Clearwater, Custer, Gem, Gooding, Idaho, Jefferson, Jerome, Kootenai, Lemhi, Lewis, Lincoln, Oneida, Owyhee, Payette, Shoshone, Washington). In targeted counties the FTHB requirement is waived and higher income/sales price limits apply.

تُقدَّم طلبات Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) عبر Idaho Housing and Finance Association، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.