Middle Income Down Payment Assistance (MIDPA) Pilot Program

Middle Income Down Payment Assistance (MIDPA) Pilot Program是面向Boulder，Colorado购房者的延期第二贷款。 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. 资金来自Local Government和City Affordable Housing Fund。

Middle Income Down Payment Assistance (MIDPA) Pilot Program按项目规定，提供相当于房价30%的援助。 购房者自付部分：Minimum $2,000 of buyer's own funds toward down payment/closing costs。 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。

Middle Income Down Payment Assistance (MIDPA) Pilot Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Full principal due after 15 years和immediate full repayment due upon sale, refinance, or title transfer prior to year 15。 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。

Middle Income Down Payment Assistance (MIDPA) Pilot 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 required提供。 居住要求：Property must be a market-rate home 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。 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.

Middle Income Down Payment Assistance (MIDPA) Pilot 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。 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). 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。

Middle Income Down Payment Assistance (MIDPA) Pilot Program将房价上限设为$1.4M。 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。

Middle Income Down Payment Assistance (MIDPA) Pilot Program服务于在Boulder，Colorado购房的购房者。

Middle Income Down Payment Assistance (MIDPA) Pilot 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 waitlist via City of Boulder Homeownership Program (first-come, first-served)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。