City of Suffolk HOME Downpayment and Closing Cost Assistance Program

City of Suffolk HOME Downpayment and Closing Cost Assistance Program هو قرض قابل للإعفاء لمشتري المنازل في Suffolk، Virginia، وتديره Suffolk Redevelopment and Housing Authority (in partnership with the City of Suffolk). The Suffolk Redevelopment and Housing Authority, in partnership with the City of Suffolk, provides down payment and closing cost assistance to first-time homebuyers purchasing a primary residence in Suffolk. Eligible buyers (income at or below 80% AMI, no homeownership in the prior three years) may receive up to $14,500 as a 0% amortized forgivable loan secured by a deed of trust; 20% is forgiven each year and the balance is fully forgiven after five years. Buyers complete the Virginia Housing First-Time Homebuyers Class in person, attend two one-on-one counseling sessions, and contribute at least 1% of the sales price ($500 minimum). Up to $14,500 in down payment and closing cost assistance. 0% interest, no monthly payments. 20% forgiven each year, fully forgiven after 5 years. No prepayment penalty. Works alongside a standard first mortgage. يأتي التمويل من HUD HOME Investment Partnerships Program funds (City of Suffolk / Western Tidewater HOME Consortium).

يقدم City of Suffolk HOME Downpayment and Closing Cost Assistance Program مساعدة تصل إلى $14,500. مساهمة مشتري المنزل: Buyer must contribute at least 1% of the sales price, with a $500 minimum. يمكن الجمع بين البرنامج وMay be paired with a first mortgage; buyer completes Virginia Housing homebuyer education. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Suffolk Redevelopment and Housing Authority (in partnership with the City of Suffolk) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من City of Suffolk HOME Downpayment and Closing Cost Assistance Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, lease, conveyance, title transfer, or death of the qualifying person within the 5-year affordability period; remaining unforgiven balance is recaptured. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (deed of trust and promissory note behind first mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

City of Suffolk HOME Downpayment and Closing Cost Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Must not have owned a home in the last three years (HUD first-time homebuyer definition). يلزم إكمال دورة لمشتري المنازل، عبر Virginia Housing First-Time Homebuyers Class (in person, signed certificate) plus at least two one-on-one sessions with a HUD-certified housing counselor through SRHA. شرط الإقامة: Property must be located in the City of Suffolk, VA. First-time homebuyer (no homeownership in last 3 years). Income at or below 80% AMI. Must complete VHDA First-Time Homebuyers Class in person and attend 2 one-on-one HUD-certified counseling sessions. Buyer contributes at least 1% of sales price ($500 min). Buyer must NOT have ratified a sales contract prior to the eligibility notice. Property in Suffolk, primary residence, must pass HQS inspection and be lead-safe. Required docs: 60 days pay stubs; benefit/pension verification; child-support/divorce records; income statements. Promissory note, deed of trust, and homebuyers agreement signed. Printed brochure available by contacting SRHA.

يحدد City of Suffolk HOME Downpayment and Closing Cost Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income cannot exceed 80% of Area Median Income. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام City of Suffolk HOME Downpayment and Closing Cost Assistance Program لـSingle Family، Townhouse وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم City of Suffolk HOME Downpayment and Closing Cost Assistance Program مشتري المنازل الذين يشترون في Suffolk، Virginia.

تُقدَّم طلبات City of Suffolk HOME Downpayment and Closing Cost Assistance Program عبر Suffolk Redevelopment and Housing Authority (in partnership with the City of Suffolk)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.