Homeownership Opportunity Program

Homeownership Opportunity Program是面向Boise，Idaho购房者的延期第二贷款。 The City of Boise Homeownership Opportunity Program (HOP) is a HUD HOME/CDBG-funded down payment, closing cost, and primary-loan-reduction assistance program for low-income homebuyers purchasing within Boise city limits. Maximum award up to $65,000 (reviewed annually). Structured as a deferred 0% interest second mortgage; no monthly payments; repaid at sale, refinance, or non-occupancy. Households must be 50%-80% AMI. Application is by referral only via NeighborWorks Boise or LEAP Housing, who provide the required HUD-approved homebuyer education and housing counseling. City of Boise-funded down payment, closing cost, and direct purchase financing assistance up to $65,000 (max award reviewed annually by HCD staff). Funds reduce the size of the buyer's primary loan to a level that is affordable. Structured as a deferred 0% interest mortgage (no monthly payments). repaid only at sale, transfer, refinance, or end of affordability term. Funded through HUD HOME and CDBG entitlement grants administered by Boise Housing & Community Development. 资金来自Local、Federal、HOME和CDBG。

Homeownership Opportunity Program提供最高$45,000的援助。 购房者自付部分：Minimum 0.5% of the purchase price from the buyer toward down payment and closing costs; buyer must also retain post-closing savings of at least 2x the total monthly payment. 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。

Homeownership Opportunity 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：Deferred (no monthly payments)和due at sale, transfer of title, refinance with cash-out, conversion to rental/non-owner-occupied, or end of HOME affordability period。 该援助以2nd Lien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。

Homeownership Opportunity 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：Per partner organization (NeighborWorks Boise / LEAP Housing) and first-mortgage lender requirements。 须参加购房者教育课程，由NeighborWorks Boise or LEAP Housing - housing counseling and HUD-approved homebuyer education required as prerequisite to HOP application提供。 居住要求：Property must be located within Boise city limits and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualifying non-citizen with eligible immigration status (per HOME rule 24 CFR 92.205)。 Must be first-time homebuyer (no homeownership in past 3 years per HOME rule). Household income at or above 50% and at or below 80% of HUD AMI for Boise City-Nampa MSA. Property must be within Boise city limits and occupied as primary residence. Must complete HUD-approved homebuyer education and housing counseling through NeighborWorks Boise or LEAP Housing. Application accepted only via referral from NeighborWorks Boise or LEAP Housing. Subject to HOME affordability period (5-15 years per HOME rule, depending on amount of HOME funds invested).

Homeownership Opportunity Program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。 Households must earn at least 50% AMI and no more than 80% AMI for the Boise City-Nampa MSA per HUD-published limits. Seed range $34,300-$103,500 reflects 50%-80% AMI by household size; verify current limits with City of Boise HCD. 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。

Homeownership Opportunity Program的房价上限如下：Per HOME 95% area median purchase price limit for Boise MSA; verify current limit with City of Boise HCD or HUD HOME tables。 符合条件的房屋类型包括Single-family detached, condominium, townhouse - primary residence within Boise city limits。 新建房屋符合条件。 预制房屋符合条件。

Homeownership Opportunity Program服务于在Boise，Idaho购房的购房者。

Homeownership Opportunity 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 by referral only via NeighborWorks Boise or LEAP Housing; subject to City's annual HUD HOME/CDBG entitlement allocation and program guideline cap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。