Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program是面向Estes Park，Colorado购房者的需偿还的第二贷款。 The Estes Valley Workforce Housing Assistance (EVWHA) program, from the Estes Park Housing Authority and the Estes Park Board of REALTORS, helps local workforce households earning 81-150% of Area Median Income buy homes in the Estes Valley. It provides a down-payment loan of up to 3.5% of the purchase price (maximum $15,000) as a 2% interest amortizing second mortgage with a 10-year term. Buyers must invest at least $3,000 of their own funds, be first-time buyers, complete a homeownership class, and have an eligible property under contract within 90 days of applying. Down-payment loan up to 3.5% of purchase price, capped at $15,000; 2% interest, 10-year amortizing term; minimum $3,000 buyer contribution; first-time buyers earning 81-150% AMI who work in the Estes Valley. 资金来自Local Government、Town of Estes Park和Larimer County。

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program提供最高$15,000的援助。 购房者自付部分：Buyer must contribute at least 1% of purchase price from own funds。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program是需偿还的第二贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, refinance with cash-out, transfer of title, or loss of owner-occupancy of the property。 该援助以2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。

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Open to first-time and repeat buyers; no prior-homeownership restriction。 关于信用，该项目说明：Mortgage-eligible based on first-mortgage underwriting (no published EPHA minimum)。 须参加购房者教育课程，由Required pre-purchase counseling through Larimer Home Ownership Program (LHOP) or another HUD-approved provider提供。 居住要求：Buyer must work 30+ hrs/week in the Estes Valley (or be retired/disabled Estes Valley resident); home must be a primary residence in the Estes Valley. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by first-mortgage product。 Buyer (or one earner in the household) must work an average of 30+ hours/week in the Estes Valley (Estes Park, unincorporated Larimer County within the Estes Valley Planning Area) for an Estes Valley business or governmental unit, OR be a permanently disabled or retired Estes Valley resident. Household income must fall between approximately 80% AMI ($63,680 for one person) and 150% AMI ($225,000 cap, scaled by household size — Larimer County HUD limits). Property must be the buyer's primary residence located in the Estes Valley. Mandatory pre-purchase counseling. EPHA records a deferred junior lien with no shared appreciation. Buyers must contribute at least 1% of purchase price from their own funds.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan 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。 Households between approximately 80% AMI ($63,680 1-person) and 150% AMI (capped at $225,000 for larger households) per Larimer County HUD income limits. EVWHA is a workforce-housing program intended for moderate-to-upper-moderate-income local workers. 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。

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program的房价上限如下：No published cap; purchase price must be supported by appraisal and the first-mortgage product。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program服务于在Estes Park，Colorado购房的购房者。 该项目针对特定区域：Estes Valley Planning Area only — Town of Estes Park and immediately surrounding unincorporated Larimer County (and small portions of Boulder County) within the Estes Valley.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan 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Direct application to Estes Park Housing Authority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。