City of Boise Homeownership Opportunity Program (HOP)

City of Boise Homeownership Opportunity Program (HOP) es un préstamo de plusvalía compartida para compradores de vivienda en Boise, Idaho, a cargo de 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. Los fondos provienen de U.S. HUD Community Development Block Grant (CDBG) entitlement funds; PRICE funds for manufactured homes.

City of Boise Homeownership Opportunity Program (HOP) ofrece hasta $65,000 de ayuda. Niveles de ayuda: 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. Aporte del comprador de vivienda: Buyers must contribute at least 0.5% of the purchase price (waived for Home Improvement Program relocation referrals). El programa se puede combinar con Other DPA (HOME funds DPA, IHFA second mortgage). Los montos son los máximos publicados por el programa, no una oferta: City of Boise, Housing and Community Development (HCD) determina cualquier ayuda individual.

City of Boise Homeownership Opportunity Program (HOP) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija City of Boise, Housing and Community Development (HCD). El reembolso se activa por 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. La ayuda se registra con un gravamen en posición Subordinate (junior) to the primary first mortgage. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

City of Boise Homeownership Opportunity Program (HOP) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Finally Home! or other HUD-approved homeownership counseling course. Requisito de residencia: 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.

City of Boise Homeownership Opportunity Program (HOP) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

City of Boise Homeownership Opportunity Program (HOP) limita el precio de compra así: No fixed maximum for standard purchases; for Home Improvement Program relocation referrals, maximum sales price is $60,000. Los tipos de propiedad elegibles incluyen Single Family, Condominium, Townhome, Manufactured Home y Modular Home. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

City of Boise Homeownership Opportunity Program (HOP) atiende a compradores de vivienda que compran en Boise, Idaho. El programa se dirige a áreas específicas: Assistance available only for properties within Boise city limits.

Las solicitudes de City of Boise Homeownership Opportunity Program (HOP) se tramitan a través de City of Boise, Housing and Community Development (HCD), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Referral-based through partner organizations; committed by City Loan Committee in three documentation phases. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.