Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Statewide (all Virginia counties and independent cities)، Virginia، وتديره Habitat for Humanity Virginia. Habitat for Humanity Virginia is a designated statewide administrator of the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federally funded by HUD HOME). It provides down payment and closing-cost assistance to income-eligible first-time homebuyers at or below 80% AMI across the entire Commonwealth, including buyers who are NOT purchasing a Habitat-built home. The DPA is a deferred, 0% second loan up to 10% of the sales price (up to 15% in DHCD-designated high-cost/economically depressed localities) plus up to $2,500 toward closing costs, to a maximum of $40,000, secured by a deed of trust for a 5- or 10-year affordability period and forgiven if the home remains the buyer's principal residence through the period. Because Habitat Virginia covers every Virginia locality on DHCD's provider list, it functions as the statewide backstop DPA provider in addition to regional nonprofit administrators. Statewide coverage including non-Habitat home purchases. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Deferred 0% loan, fully forgiven after affordability period. يأتي التمويل من U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD.

يقدم Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program مساعدة تتراوح بين $1,000 و$40,000. فئات المنحة: Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities. مساهمة مشتري المنزل: Borrower must contribute 1% of the sales price from personal funds if income is 50%-80% AMI; if income is below 50% AMI, contribution is $500 (receipts required). يمكن الجمع بين البرنامج وVIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Habitat for Humanity Virginia هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale or transfer of title (voluntary or involuntary), or failure to occupy as principal residence, during the affordability period triggers recapture/repayment of the entire outstanding HOME investment from available net proceeds. تُسجَّل المساعدة في مرتبة الرهن: Second (silent second / deferred loan behind first trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer = never owned a home OR has not held primary ownership in a principal residence within the most recent 3-year period. Mobile homes titled as personal property and investment/inherited property not occupied as principal residence in the last 3 years still qualify the buyer as first-time. بشأن الائتمان، ينص البرنامج على: Median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades) per DHCD HOME DPA Program Guidelines. يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one HUD-certified housing counseling required. شرط الإقامة: Property must be in Virginia; Habitat Virginia covers all Virginia localities as the statewide DPA administrator. Loan TERM: deferred 0% second with 5-year affordability period for $1,000-$14,999 and 10-year for $15,000-$40,000; fully forgiven at end of term; not assumable. Statewide DPA administrator; assistance available even when the buyer is not purchasing a Habitat-built home. Buyer must complete HUD-certified homebuyer education/counseling, have 90-day minimum work history, pay off collections of $1,000+ and all judgments before closing, and hold cash assets below 10% of sales price. No cash back at closing. Contact for DPA is Gwen Christmas.

يحدد Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Total household income at or below 80% of HUD Area Median Income for the locality and household size, per HUD's annually updated HOME income limits. Because coverage is statewide, the dollar limit varies by jurisdiction and household size; see DHCD 2025 HUD HOME Income Levels. (Unconfirmed: no single statewide dollar figure applies.). 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.

يضع Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program حدًا لسعر الشراء على النحو التالي: Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. تشمل أنواع العقارات المؤهلة Single-family detached (one unit)، Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied)، Townhome، Condominium، Modular home وManufactured home (post-June 15, 1976; permanent utility hookups; owned land or long-term lease). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program مشتري المنازل الذين يشترون في مقاطعة Statewide (all Virginia counties and independent cities)، Virginia.

تُقدَّم طلبات Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program عبر Habitat for Humanity Virginia، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First come, first served; funds reserved only after lender pre-approval and DPA eligibility. Contact via DPA@habitatvirginia.org. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.