Complete Community City of Durango Program

Complete Community City of Durango Program是面向Durango，Colorado购房者的增值共享贷款。 City of Durango Complete Community Loan -- a partnership between the City of Durango (funded by CDBG/DOLA + city general fund) and HomesFund. Provides up to $25,000 in shared-appreciation DPA to Durango workforce buyers. Designed to address Durango's housing-cost gap (median home prices routinely $600K+) for permanent La Plata County workers. In August 2017 HomesFund expanded eligibility from 80% AMI to 125% AMI; since extended again per current Freddie Mac DPA One income limits to ~150% AMI. Up to $25,000 in shared-appreciation down payment assistance for households purchasing within City of Durango limits and currently employed in La Plata County in a permanent job at 32+ hours/week. Allows higher income limit (originally 125% AMI in 2017. expanded to ~150% AMI per Freddie Mac DPA One 2026 data) because of Durango's high cost of housing. No monthly payment. repaid at sale/refi/transfer with pro-rata share of appreciation. 资金来自Local Government、CDFI和Foundation。

Complete Community City of Durango 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。

Complete Community City of Durango 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 + 1-on-1 housing counselor session required.提供。 居住要求：Property must be inside Durango city limits; borrower must work in La Plata County 32+ hrs/week permanent job。 公民身份或移民身份：Per 1st-mortgage AUS。 Property MUST be inside City of Durango municipal limits. Borrower must be currently employed within La Plata County in a permanent job working at least 32 hours per week. CDBG-funded -- federal HUD compliance overlays apply (income certification at 80% AMI for CDBG-pure tranches; 125%-150% AMI tier funded by separate City/HomesFund capital). 53+ Durango households assisted to date.

Complete Community City of Durango Program将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Up to 150% AMI for households purchasing in Durango city limits and working in La Plata County 32+ hrs/week. Per Freddie Mac DPA One: $91,000 (1-2 person) to $171,500 (large-household). CDBG-funded loans separately capped at 80% AMI per HUD CDBG rules. 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。

Complete Community City of Durango 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 within Durango city limits。 新建房屋符合条件。 预制房屋符合条件。

Complete Community City of Durango Program服务于在Durango，Colorado购房的购房者。 该项目针对特定区域：City of Durango incorporated municipal limits only。

Complete Community City of Durango 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Application via HomesFund; subject to City of Durango / DOLA CDBG fund availability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。