Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro هو قرض قابل للإعفاء لمشتري المنازل في Staunton، Virginia، وتديره Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator. A regional first-time homebuyer down payment and closing cost assistance program administered by the Central Shenandoah Planning District Commission using Virginia DHCD HOMEownership (HOME) funds. Offers a 0% interest forgivable loan of up to 10% of purchase price for down payment plus up to $2,500 for closing costs (max total $11,000), forgivable after a 5-year affordability period, to first-time homebuyers at or below 80% AMI in the Central Shenandoah region including the cities of Staunton and Waynesboro. 0% interest, forgivable after 5 years, covers down payment (up to 10%) and closing costs (up to $2,500); stackable with Virginia Housing SPARC 1% rate reduction and other gap programs. يأتي التمويل من Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federal HUD HOME funds).

يقدم Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro مساعدة تتراوح بين $1,000 و$11,000. مساهمة مشتري المنزل: Buyer must contribute 1% of purchase price from personal funds if income is 50%-80% AMI, or a minimum of $500 if income is below 50% AMI. يمكن الجمع بين البرنامج وVIDA, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA assistance, Fannie Mae/Freddie Mac assistance (CLTV not to exceed 108%; LTV not to exceed 96.5%). المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer of title, refinance, or failure to occupy as primary residence during the 5-year affordability period triggers recapture/repayment of HOME funds from available net proceeds. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (silent second / deferred loan recorded via Deed of Trust behind first trust lender). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Buyer who has not held primary ownership in a principal residence within the most recent three-year period qualifies as first-time homebuyer. بشأن الائتمان، ينص البرنامج على: FICO median score of 620; minimum 3 open and current trade lines (alternative credit may be considered). يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified Homebuyer Education Course through Virginia Housing, NeighborWorks, or a HUD-certified agency; plus homeownership counseling from a HUD-certified housing counselor. الجنسية أو وضع الهجرة: Must be a U.S. citizen or lawful permanent resident. Buyer cash contribution (1% of price if 50-80% AMI, or $500 if under 50% AMI); HUD-certified homebuyer education + counseling; 90-day work history; signed purchase contract; property must pass UPCS inspection and be turn-key. NOTE: possible relationship to the existing catalog row 'HOME First-Time Homebuyers Program' (Augusta، Bath، Highland، Rockbridge وRockingham) which may share the same DHCD program/administrator for the rural counties; this row covers the independent cities of Staunton and Waynesboro. The CSPDC brochure caps assistance at $11,000/5-year forgiveness while governing DHCD guidelines allow up to $40,000 with tiered affordability - brochure figures used. Verify dedupe vs Augusta-region row before publishing.

يحدد Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income may not exceed 80% of Area Median Income. Staunton-Waynesboro, VA MSA 2026 limits: 1p $55,200; 2p $63,050; 3p $70,950; 4p $78,800; 5p $85,150; 6p $91,450; 7p $97,750; 8p $104,050 (effective 05/01/2026). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro حدًا أقصى لسعر الشراء قدره $269,000. تشمل أنواع العقارات المؤهلة Single Family، Townhouse، Condo، Manufactured و2-4 Unit. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro مشتري المنازل الذين يشترون في Staunton، Virginia. الأحياء المستهدفة: Cities of Staunton and Waynesboro (program also serves Harrisonburg, Rockbridge County, Buena Vista, Lexington, and other Central Shenandoah localities).

تُقدَّم طلبات Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro عبر Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served based on availability of funds; funds reserved only after homebuyer is lender pre-approved and meets DPA eligibility. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.