AHIF Affordable Housing Investment Fund Program

AHIF Affordable Housing Investment Fund Program是面向Durango，Colorado购房者的增值共享贷款。 AHIF (Affordable Housing Investment Fund) is the State of Colorado Division of Housing's wholesale lending fund that provides flexible, low-cost capital to affordable-housing lenders such as HomesFund. HomesFund deploys AHIF capital as shared-appreciation DPA 2nd mortgages to 80%-100% AMI buyers in its 5-county SW Colorado service area. Capital recycles -- as homebuyers repay HomesFund (with appreciation share), HomesFund recycles funds into new DPA loans. Shared-appreciation 2nd-mortgage DPA capitalized by Colorado Division of Housing's Affordable Housing Investment Fund (AHIF). HomesFund received an AHIF award in 2022 (one of 10 statewide recipients in a $61.9M round) to scale its DPA lending. Tier serves 80%-100% AMI households. Same shared-appreciation note structure: no monthly payment, repaid via principal + appreciation share at sale/refi/transfer. 资金来自CDFI、State Government和Local Government。

AHIF Affordable Housing Investment Fund Program是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, transfer, cash-out refi, loss of owner-occupancy, or 30-year maturity。 该援助以2nd顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

AHIF Affordable Housing Investment Fund Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由HomesFund HUD-approved Homebuyer Education plus 1-on-1 counseling required.提供。 居住要求：Owner-occupied in 5-county service area。 公民身份或移民身份：Per 1st-mortgage AUS。 Homebuyer Education + 1-on-1 counseling. Owner-occupancy. Asset/net-worth caps. AHIF state funds carry CDOH compliance and reporting requirements (income certification, affordability monitoring). 30-year shared-appreciation note. Subject to AHIF capital availability.

AHIF Affordable Housing Investment Fund Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Approximately 80%-100% AMI band. Per Freddie Mac DPA One: $60,900 (smallest county) to $137,200 (large-household, La Plata). Income limits revisit annually per HUD updates. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

AHIF Affordable Housing Investment Fund Program将房价上限设为$640,000。 符合条件的房屋类型包括SFR, townhome, condo, PUD, manufactured w/ land。 新建房屋符合条件。 预制房屋符合条件。

AHIF Affordable Housing Investment Fund Program服务于在Durango，Colorado购房的购房者。

AHIF Affordable Housing Investment Fund Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过HomesFund underwriting (first-come, first-served) within AHIF allocation预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。