Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)是面向Idaho购房者的可免除贷款，由Idaho Housing and Finance Association (IHFA)管理。 IHFA's forgivable down payment / closing-cost assistance is a deferred soft second mortgage of up to 3% of the lesser of sales price or appraised value, with 0% interest and no monthly payment, forgiven 1/10 per year over 10 years. It is distinct from IHFA's repayable Second Mortgage and can be layered with it for combined assistance up to 10% of the purchase price, requiring as little as $500 of the borrower's own funds. 0% interest, no monthly payment. Forgiven over 10 years (1/10 per year). Up to 3% of price/value forgivable. Combinable with IHFA Second Mortgage for up to 10% total DPA. As little as $500 borrower contribution. Available to repeat as well as first-time buyers.

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)按项目规定，提供相当于房价3%的援助。 购房者自付部分：Borrower contributes a minimum of $500 (as little as 0.5% of own funds). 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Idaho Housing and Finance Association (IHFA)决定。

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)在10年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Unforgiven balance due on sale or refinance before the end of the 10-year term; forgiven 1/10 per year over the term. 该援助以second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。

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)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! (finallyhome.org) homebuyer education.提供。 Paired with an IHFA first mortgage and Finally Home! education. NEEDS HUMAN CONFIRMATION before publish: IHFA's live DPA page still lists a 'forgivable loan' option, but one third-party source claims the forgivable tier was replaced by repayable-only assistance for new reservations - confirm current availability with IHFA.

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)的收入限制如下：Household income limits apply (IHFA First Loan program limits). Specific dollar limits by county/household size are published in IHFA's First Loan income-limit tables and not reproduced on the consumer DPA page. 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。

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)可用于Single Family、Townhouse、Condo和Manufactured。 预制房屋符合条件。

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)服务于在Idaho任何地方购房的购房者。

Idaho Housing Forgivable Loan (Down Payment / Closing Cost Assistance)的申请通过Idaho Housing and Finance Association (IHFA)办理，该机构在其网站上公布现行条款和申请步骤。 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。