HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program

HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في Richmond، Virginia، وتديره Housing Opportunities Made Equal of Virginia, Inc. (HOME of VA). Housing Opportunities Made Equal of Virginia (HOME of VA), a HUD-approved nonprofit founded in 1975, administers the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (HUD HOME funded) as the regional provider for the Richmond metro area, serving the City of Richmond and the counties/cities of Chesterfield, Colonial Heights, Goochland, Hanover, Henrico, Hopewell, and Powhatan. The DPA is a deferred, 0% second loan for income-eligible first-time homebuyers at or below 80% AMI, providing funds for a required full house inspection, down payment, and closing costs. Assistance is up to 10% of the sales price (up to 15% in DHCD-designated high-cost areas) 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. HOME of VA pairs the assistance with free one-on-one pre-purchase counseling, group homebuyer education, money-management and credit-recovery classes. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Funds for required full house inspection. Deferred 0% loan, fully forgiven after affordability period. Free pre-purchase counseling and homebuyer education. يأتي التمويل من U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD.

يقدم HOME of Virginia HOMEownership Down Payment & Closing Cost 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; may include appraisal, insurance, inspection, credit report, closing costs). 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؛ Housing Opportunities Made Equal of Virginia, Inc. (HOME of VA) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من HOME of Virginia HOMEownership Down Payment & Closing Cost 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.

HOME of Virginia HOMEownership Down Payment & Closing Cost 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: DHCD HOME DPA requires a median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades). (Unconfirmed: HOME of VA does not publish a separate credit-score minimum on its homeownership page.). يلزم إكمال دورة لمشتري المنازل، عبر HOME of VA's own homebuyer education course (HUD-certified); also accepts Virginia Housing, NeighborWorks, or HUD-certified agency courses. شرط الإقامة: Property must be purchased in HOME of VA's service area: Chesterfield, Colonial Heights, Goochland, Hanover, Henrico, Hopewell, Powhatan, or City of Richmond. 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. Buyer must have at least $40,000 combined annual household income, complete HOME of VA homebuyer education and counseling, have a 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.

يحدد HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income must be at least $40,000 combined annual income AND at or below 80% of HUD AMI per HOME of VA's published chart: 1 person $63,600; 2 persons $72,650; 3 persons $81,750; 4 persons $90,800; 5 persons $98,100; 6 persons $105,350; 7 persons $112,600; 8 persons $119,900. 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.

يضع HOME of Virginia HOMEownership Down Payment & Closing Cost 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 HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program مشتري المنازل الذين يشترون في Richmond، Virginia.

تُقدَّم طلبات HOME of Virginia HOMEownership Down Payment & Closing Cost Assistance Program عبر Housing Opportunities Made Equal of Virginia, Inc. (HOME of VA)، 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. Apply via HOME of VA online homeownership application (allow up to 10 business days to process). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.