City of Falls Church Affordable Homeownership Program (CFCAHP)

City of Falls Church Affordable Homeownership Program (CFCAHP) هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Falls Church، Virginia، وتديره The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). The City of Falls Church Affordable Homeownership Program (CFCAHP) helps income-qualified first-time homebuyers purchase homes in the City of Falls Church at a reduced price. NHPF acquires market-rate homes, rehabs them, and resells them at a written-down price (up to ~$170,000 below market) to buyers earning 50%-120% of AMI. The price reduction (subsidy) is sized between $50,000 and $150,000 based on AMI, and is a forgivable grant subject to a 99-year affordability covenant with shared-appreciation recapture on resale. Below-market purchase price (subsidy $50,000-$150,000); access to Virginia Housing DPA/closing-cost grants and SPARC; energy-efficiency rehab; long-term affordability protections. يأتي التمويل من Virginia Housing REACH program grant + City of Falls Church funds.

يقدم City of Falls Church Affordable Homeownership Program (CFCAHP) مساعدة تتراوح بين $50,000 و$150,000. مساهمة مشتري المنزل: Applicant must have a minimum of 1% of the sales price documented and available toward closing costs/prepaid items or reserves. يمكن الجمع بين البرنامج وVirginia Housing SPARC, Down Payment Assistance Grant, Closing Cost Assistance Grant, Plus Second Mortgage; DHCD HOMEownership DPA; Virginia Individual Development Accounts (VIDA). المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS) هي التي تحدد أي مبلغ يُمنح لكل شخص.

City of Falls Church Affordable Homeownership Program (CFCAHP) هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). يُستحق السداد عند Upon resale/transfer, refinance, condemnation, casualty, or default of the Affordability Covenant the City is reimbursed its original Subsidy Value plus 25% of net proceeds; the subsidy does not have to be repaid so long as the buyer remains owner-occupant in compliance with the Covenant. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

City of Falls Church Affordable Homeownership Program (CFCAHP) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: No household member may have owned residential property in the last 3 years; a divorced applicant who owned/resided in a home with a former spouse is treated as a first-time homebuyer. بشأن الائتمان، ينص البرنامج على: Minimum middle credit score of 620; applicants must also qualify for a Virginia Housing loan. يلزم إكمال دورة لمشتري المنازل، عبر Virginia Housing Homeownership Education Program (free, English and Spanish, online and in-person); certificate required prior to closing. شرط الإقامة: Not required, but priority given to those who live/work in or for the City of Falls Church. 99-year Declaration of Affordability Covenants (use/refinance/resale restrictions + City purchase option); annual owner-occupancy affidavit; housing cost (incl. HOA/condo fees, taxes, insurance) may not exceed 40% of gross annual income for subsidy offer; co-signers outside household prohibited; household liquid assets cannot exceed 50% of the sales price (retirement excluded); 5 calendar days to execute sales contract and 45 days to close after referral.

يحدد City of Falls Church Affordable Homeownership Program (CFCAHP) دخل الأسرة بما لا يتجاوز $163,900. 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.

يمكن استخدام City of Falls Church Affordable Homeownership Program (CFCAHP) لـSingle Family، Townhouse وCondo. المنازل حديثة البناء غير مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يذكر City of Falls Church Affordable Homeownership Program (CFCAHP) مشتري المنازل من ذوي الإعاقة ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم City of Falls Church Affordable Homeownership Program (CFCAHP) مشتري المنازل الذين يشترون في Falls Church، Virginia. يستهدف البرنامج مناطق محددة: Entire City of Falls Church (2.2 sq mi).

تُقدَّم طلبات City of Falls Church Affordable Homeownership Program (CFCAHP) عبر The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Prescreening application then Certified Buyers waitlist ranked by priority criteria, then first-come first-served; buyers matched to properties as acquired. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.