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

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) est un premier prêt hypothécaire pour les futurs propriétaires de Idaho, sous la gestion de 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. Le financement provient de Tax-exempt Mortgage Revenue Bonds (MRBs) issued by IHFA under IRC Section 143.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) est un premier prêt hypothécaire, remboursable selon les conditions fixées par Idaho Housing and Finance Association. Le remboursement est déclenché par 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. L’aide est inscrite au rang suivant : First. Les conditions d’annulation et de remboursement sont fixées par le programme et peuvent changer — vérifiez-les sur la page officielle du programme avant de déposer une demande.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) est ouvert à les primo-accédants et les futurs propriétaires qui occuperont le logement comme résidence principale. « Primo-accédant » comporte ici des exceptions : First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. Un cours pour futurs propriétaires est obligatoire, auprès de Finally Home! (IHFA homebuyer education, finallyhome.org). Condition de résidence : 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.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) fixe son plafond de revenus ainsi : 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. Le plafond s’applique au revenu total du ménage, pas seulement à celui de l’emprunteur. Les chiffres du revenu médian de la zone sont publiés par HUD et mis à jour chaque année : consultez le tableau en vigueur pour le comté avant de vous fier à un chiffre.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) plafonne le prix d’achat ainsi : 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. Les types de logements admissibles comprennent Single Family, Condo, Townhouse et Manufactured. Les constructions neuves sont admissibles. Les maisons préfabriquées sont admissibles.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) s’adresse aux futurs propriétaires qui achètent partout dans l’État de Idaho. Le programme cible des zones précises : 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.

Les demandes pour Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) passent par Idaho Housing and Finance Association, qui publie les conditions en vigueur et les étapes de la demande sur son propre site. Hey Prescott n’est pas un prêteur et n’accepte pas de demandes ; cette page décrit le programme pour qu’un futur propriétaire puisse en parler à un prêteur ou à un conseiller en logement.