House to Homeownership (H2O) Down Payment Assistance Loan Program

House to Homeownership (H2O) Down Payment Assistance Loan Program是面向Boulder，Colorado购房者的增值共享贷款。 The City of Boulder's House to Homeownership (H2O) Program is a shared-appreciation down payment assistance loan program for first-time homebuyers purchasing a market-rate home within Boulder city limits. The City provides up to $100,000 as a zero-interest, deferred-payment second mortgage. No monthly payments are required for up to 30 years. The loan becomes due in full upon sale, refinance, or transfer of title, plus a share of the home's appreciation proportional to the City's investment. The program is administered on the City's behalf by Impact Development Fund (IDF), a Colorado CDFI. Zero-interest, deferred shared-appreciation second mortgage of up to $100,000 toward the purchase of a market-rate home in Boulder city limits. No monthly payments for up to 30 years. principal plus a percentage of appreciation due at sale, refinance, or title transfer. 资金来自Local Government和City Affordable Housing Fund。

House to Homeownership (H2O) Down Payment Assistance Loan 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, refinance, or title transfer和no monthly payments for the 30-year term. Principal plus the City's pro-rata share of appreciation is due in full at the trigger event. 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。

House to Homeownership (H2O) Down Payment Assistance 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：Divorced applicants within the prior 3 years are exempt from the first-time-homebuyer requirement。 关于信用，该项目说明：Not published by the City; subject to first-mortgage lender underwriting。 须参加购房者教育课程，由City of Boulder homebuyer orientation; HUD-approved homebuyer education courses required prior to closing提供。 居住要求：Must work in the City of Boulder; home must be located within City of Boulder city limits and be owner-occupied。 公民身份或移民身份：U.S. citizen or qualified non-citizen per first-mortgage lender requirements。 First-time homebuyer (no homeownership in prior 3 years, divorce exception). Must work in the City of Boulder with at least 1 year of work history within most recent 12 months and 30+ hours/week (unless retired or disabled). Minimum $2,000 buyer contribution. DTI may not exceed 42%. Asset cap (125% of income max) applies; some retirement assets are exempt. Maximum bedrooms may exceed household size by only one. Owner-occupied; rental restrictions apply. Must qualify for first mortgage and complete city orientation plus homebuyer education.

House to Homeownership (H2O) Down Payment Assistance Loan Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income capped at 120% AMI per HUD Boulder MSA. Income max by household size: 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. Asset max equals 125% of income max ($158,250-$298,200). Note: Freddie Mac DPA One reflects an older income table ($111,600-$210,360); current City of Boulder limits are higher. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

House to Homeownership (H2O) Down Payment Assistance Loan Program的房价上限如下：No fixed maximum purchase price published; loan capped at $100,000 and limited by first-mortgage underwriting and Boulder market rate home values。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium (market-rate, owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

House to Homeownership (H2O) Down Payment Assistance Loan Program服务于在Boulder，Colorado购房的购房者。

House to Homeownership (H2O) Down Payment Assistance 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First-come, first-served; applicants apply directly to Impact Development Fund (IDF)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。