Middle Income Down Payment Assistance (MIDPA) Pilot Program

Ang Middle Income Down Payment Assistance (MIDPA) Pilot Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Boulder, Colorado. The City of Boulder's Middle Income Down Payment Assistance (MIDPA) Pilot Program is a deferred-payment second mortgage designed to put middle-income households into permanently deed-restricted, affordable ownership. The loan amount is the lesser of $200,000 or 30% of the home's sale price. The interest rate is 0% with no monthly payments. After 15 years the full principal is due, or it becomes due immediately upon sale, refinance, or transfer of title. In exchange for the assistance, the home is permanently deed-restricted to remain affordable to future buyers. The pilot launched in August 2023; as of March 2026 the City has reported zero applicants and is considering ending the program as soon as June 2026, citing the 15-year balloon repayment and appreciation cap as deterrents. Zero-interest, deferred second mortgage of $200,000 or 30% of sale price (whichever is less) for middle-income first-time homebuyers. Buyer agrees to deed-restrict the home to keep it permanently affordable to future buyers. Total loan amount due back after 15 years or upon title transfer. Ang pondo ay mula sa Local Government at City Affordable Housing Fund.

Nagbibigay ang Middle Income Down Payment Assistance (MIDPA) Pilot Program ng tulong na katumbas ng 30% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Minimum $2,000 of buyer's own funds toward down payment/closing costs. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Middle Income Down Payment Assistance (MIDPA) Pilot Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Full principal due after 15 years at immediate full repayment due upon sale, refinance, or title transfer prior to year 15. Nakatala ang tulong bilang lien sa posisyong 2. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Middle Income Down Payment Assistance (MIDPA) Pilot Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Divorced applicants within the prior 3 years are exempt from the first-time-homebuyer requirement. Tungkol sa credit, sinasabi ng programa: Not published by the City; subject to first-mortgage lender underwriting. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng City of Boulder homebuyer orientation; HUD-approved homebuyer education required. Requirement sa paninirahan: Property must be a market-rate home within City of Boulder city limits and be owner-occupied. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified non-citizen per first-mortgage lender requirements. Buyer must agree to permanent deed restriction keeping the home affordable to future buyers. First-time homebuyer required (no ownership in prior 3 years, divorce exception). One household member must work 30+ hours/week (unless retired or disabled) with 1 year minimum work history within the most recent 12 months. Minimum $2,000 buyer contribution. DTI capped at 42%. Asset max applies. Total bedrooms may exceed household size by no more than one. Active program review in 2026 — City has signaled possible discontinuation due to zero applicants since 2023 launch; verify status with program staff.

Nililimitahan ng Middle Income Down Payment Assistance (MIDPA) Pilot Program ang kita ng sambahayan sa 150% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income max by size (City of Boulder MIDPA table): 1-person $126,600; 2-person $144,600; 3-person $162,720; 4-person $180,720; 5-person $195,240; 6-person $209,640; 7-person $224,160; 8-person $238,560. These limits exceed 120% AMI Boulder MSA to capture middle-income workforce buyers. Asset max ranges from $158,250 (1-person) to $298,200 (8-person). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Middle Income Down Payment Assistance (MIDPA) Pilot Program ang presyo ng pagbili sa $1.4M. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, at Condominium (market-rate, owner-occupied). Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Middle Income Down Payment Assistance (MIDPA) Pilot Program ang mga bibili ng bahay sa Boulder, Colorado.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Middle Income Down Payment Assistance (MIDPA) Pilot Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application waitlist via City of Boulder Homeownership Program (first-come, first-served). Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.