Treasure Valley Habitat for Humanity Homeownership Program

Treasure Valley Habitat for Humanity Homeownership Program是面向Boise，Idaho购房者的首付援助，由Treasure Valley Habitat for Humanity (formerly Boise Valley Habitat for Humanity)管理。 Treasure Valley Habitat for Humanity (the former Boise Valley Habitat affiliate, serving Ada and Canyon Counties) sells newly built homes to qualified low-income families at no profit with a 0% interest mortgage capped so principal, taxes, and insurance do not exceed 30% of household income. Applicants must demonstrate need, ability to pay, and willingness to partner, contributing a minimum of 200 sweat-equity hours (plus 100 from family/friends) and saving $1,500 toward the down payment. Enrollment opens periodically when a new housing development is underway; income must fall within HUD limits for Ada County. 0% interest mortgage. No-profit home price. Payment capped at 30% of income. Sweat-equity replaces large cash down payment.

Treasure Valley Habitat for Humanity Homeownership Program是首付援助，按Treasure Valley Habitat for Humanity (formerly Boise Valley Habitat for Humanity)设定的条款偿还。 触发还款的情形：Resale/transfer (Habitat retains right of first purchase); standard mortgage payments。 该援助以First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。

Treasure Valley Habitat for Humanity Homeownership Program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。 居住要求：Must reside or work in Ada County; must be a U.S. citizen or legal resident。 Housing payment cannot exceed 30% of gross income. Mandatory Program Orientation Meeting during an open application period; no judgments/collections/bankruptcy in past 12 months; good payment history on 3+ accounts; self-employed applicants must schedule an office appointment.

Treasure Valley Habitat for Humanity Homeownership 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。 Income must fall within current HUD income guidelines for Ada County (per published HUD income limit chart); applicant must meet debt-to-income requirements. 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。

Treasure Valley Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。

Treasure Valley Habitat for Humanity Homeownership Program服务于在Boise，Idaho购房的购房者。

Treasure Valley Habitat for Humanity Homeownership Program的申请通过Treasure Valley Habitat for Humanity (formerly Boise Valley Habitat for Humanity)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。