Assists low and moderate income households finance the acquisition of a first home in the City of Columbus, Columbus City Schools. ADDI is a five year deferred forgivable loan. The buyer must reside in the property for five years after the closing date or the funds must be repaid to the City. The property is unable to be sold, rented, or transferred during these five years and must remain as the sole residence of the buyer. After the five years, the mortgage and restrictive covenant are released on the property and the loan is forgiven.