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

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)은(는) Idaho 주택 구매자를 위한 선순위 모기지이며, Idaho Housing and Finance Association에서 운영합니다. 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. 재원은 Tax-exempt Mortgage Revenue Bonds (MRBs) issued by IHFA under IRC Section 143에서 나옵니다.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)은(는) 선순위 모기지이며 Idaho Housing and Finance Association에서 정한 조건에 따라 상환합니다. 상환 사유: 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. 지원금은 First 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer requirement (no principal residence ownership in prior three years) is waived for borrowers purchasing in an Idaho targeted county. 주택 구매자 교육 이수가 필요하며, Finally Home! (IHFA homebuyer education, finallyhome.org)을(를) 통해 받습니다. 거주 요건: 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)의 소득 한도는 다음과 같습니다: 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. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)의 구매 가격 상한은 다음과 같습니다: 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. 대상 주택 유형: Single Family, Condo, Townhouse 및 Manufactured. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage)은(는) Idaho 어디에서나 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: 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.

Idaho Housing First Loan Tax-Exempt (Mortgage Revenue Bond First Mortgage) 신청은 Idaho Housing and Finance Association을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.