City of Boise Homeownership Opportunity Program (HOP)

City of Boise Homeownership Opportunity Program (HOP)是面向Boise，Idaho购房者的增值共享贷款，由City of Boise, Housing and Community Development (HCD)管理。 The City of Boise provides homebuyer assistance in the form of a subordinate deferred mortgage to qualified buyers purchasing homes within Boise city limits. Funds can be used toward down payment and/or closing costs and to reduce the size of the buyer's first mortgage. Supported primarily by the City's CDBG entitlement funds, with PRICE funds available for manufactured-home purchases. Referrals accepted only through designated partners (NeighborWorks Boise and LEAP Housing). Up to $45,000 toward down payment, closing costs, and gap financing for fee-simple homes (up to $65,000 for community land trust / deed-restricted leasehold homes). Deferred subordinate loan with no monthly payments; repaid at sale or transfer. 资金来自U.S. HUD Community Development Block Grant (CDBG) entitlement funds; PRICE funds for manufactured homes。

City of Boise Homeownership Opportunity Program (HOP)提供最高$65,000的援助。 援助档次：Fee-simple: up to $45,000. CLT/deed-restricted leasehold: up to $65,000. Home Improvement Program relocation cases: max total assistance $65,000 with max sales price $60,000. 购房者自付部分：Buyers must contribute at least 0.5% of the purchase price (waived for Home Improvement Program relocation referrals). 该项目可与Other DPA (HOME funds DPA, IHFA second mortgage)结合使用。 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City of Boise, Housing and Community Development (HCD)决定。

City of Boise Homeownership Opportunity Program (HOP)是增值共享贷款，按City of Boise, Housing and Community Development (HCD)设定的条款偿还。 触发还款的情形：Due at sale or transfer. Repayment equals original assistance multiplied by the cumulative rate of appreciation (future sales price / original purchase price), limited to net proceeds. Leasehold/deed-restricted units follow the City's Resale Policy. 该援助以Subordinate (junior) to the primary first mortgage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。

City of Boise Homeownership Opportunity Program (HOP)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Finally Home! or other HUD-approved homeownership counseling course提供。 居住要求：Property must be within Boise city limits and occupied as principal residence。 Referrals accepted only through partner organizations (NeighborWorks Boise or LEAP Housing). Property must pass HUD housing standard (HQS/NSPIRE) before purchase and be move-in ready. City conducts a HUD environmental review before closing. Buyers with liquid assets above $35,000 must invest the excess before receiving assistance. Buyers must have post-closing savings of at least two times their total monthly payment. PRICE-funded manufactured homes must be built after 1976. Maximum award reviewed annually each October.

City of Boise Homeownership Opportunity Program (HOP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Gross household income must be at least 50% and no more than 80% of Area Median Income (AMI) as published annually by HUD, calculated per 24 CFR 5.609. All persons named on the loan must occupy the home and their income is included. 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。

City of Boise Homeownership Opportunity Program (HOP)的房价上限如下：No fixed maximum for standard purchases; for Home Improvement Program relocation referrals, maximum sales price is $60,000。 符合条件的房屋类型包括Single Family、Condominium、Townhome、Manufactured Home和Modular Home。 新建房屋符合条件。 预制房屋符合条件。

City of Boise Homeownership Opportunity Program (HOP)服务于在Boise，Idaho购房的购房者。 该项目针对特定区域：Assistance available only for properties within Boise city limits。

City of Boise Homeownership Opportunity Program (HOP)的申请通过City of Boise, Housing and Community Development (HCD)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Referral-based through partner organizations; committed by City Loan Committee in three documentation phases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。