Brand new gorgeous 3 bedroom, 2.5 bathroom townhouse. Beautiful finishes including engineered bamboo wood flooring, granite countertops, and stainless steel appliances. This spacious home includes an open living area that connects to the beautiful kitchen with a walk-in pantry. Upstairs, the three spacious bedrooms include a large master bedroom with full master bath and walk-in closet. The basement is unfinished, but already has rough-ins for a full bathroom, making the possibilities endless. The back yard will be fenced in with privacy fencing prior to settlement. These homes are Net Zero Energy Ready, and offer many energy efficient features, including energy efficient appliances, insulated windows and doors, and high-efficiency HVAC and water heating systems. Utility costs at these homes will be very low. Buyer(s) of this home must be first-time home-buyers at or below 80% of the median area income and must complete HIP's homebuyer education program and one-on-one counseling with a HUD-certified counselor. Buyer(s) must qualify for a $265,000 CONVENTIONAL mortgage loan. The seller, Housing Initiative Partnership, will provide a $65,000 2nd deed of trust to cover the difference between the contract price and the mortgage loan amount. The 2nd deed of trust has 0% interest, and no monthly payments and is 100% forgivable after living in the property for 15 years.