HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Winchester City, Frederick, Clarke, Warren, Page, Shenandoah، Virginia، وتديره Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program. The HOMEownership Down Payment & Closing Cost Assistance Program (DPA), administered locally by Blue Ridge Housing Network for the Northern Shenandoah Valley (City of Winchester and Clarke, Frederick, Page, Shenandoah, and Warren counties), provides flexible gap financing to first-time homebuyers at or below 80% of area median income. Income-eligible buyers may receive up to 10% of the sales price (up to 15% in this designated high-cost region) plus up to $2,500 toward closing costs, with a maximum total of $40,000. Assistance is a 0% interest, no-payment deferred (silent second) loan secured by a deed of trust that is fully forgiven after a 5- or 10-year affordability period. Up to 10% (15% in high-cost area) of sales price toward down payment. Up to $2,500 toward closing costs. Maximum $40,000 total assistance. 0% interest, no monthly payments. Fully forgivable after 5- or 10-year affordability period. Free housing counseling. يأتي التمويل من HUD HOME Investment Partnerships Program funds allocated through Virginia DHCD.

يقدم HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network مساعدة تتراوح بين $1,000 و$40,000. فئات المنحة: Affordability period set by subsidy amount: $1,000-$14,999 = 5 years; $15,000-$40,000 = 10 years. Up to 10% of sales price (15% in designated high-cost/depressed localities, which include the BRHN service area) plus up to $2,500 closing costs. مساهمة مشتري المنزل: Buyers 50%-80% AMI contribute 1% of sales price from personal funds; buyers under 50% AMI contribute $500. يمكن الجمع بين البرنامج وVIDA, ARS (Acquire, Renovate, Sell), Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Fannie Mae/Freddie Mac assistance programs. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program هي التي تحدد أي مبلغ يُمنح لكل شخص.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Sale, transfer of title, loan assumption, or ceasing to occupy the home as principal residence during the affordability period. تُسجَّل المساعدة في مرتبة الرهن: Second (silent/deferred second deed of trust behind the first-trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Never owned a home OR not held primary ownership in a principal residence within the most recent three-year period (with special cases for mobile homes titled as personal property and non-occupied investment/inherited property). بشأن الائتمان، ينص البرنامج على: FICO median score of 620; at least 3 trade lines open and current. 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; one-on-one counseling required (BRHN provides counseling free). [Unparsed numeric values moved to notes: max_liquid_assets: Homebuyers with cash assets of 10% or more of the sales price are ineligible (excluding assets that cannot be liquidated without penalty).] First-time homebuyer; household income at or below 80% AMI; minimum 620 median FICO with 3+ open/current trade lines; minimum 90-day work history; complete HUD-certified homebuyer education and one-on-one counseling; 1% buyer contribution (50-80% AMI) or $500 (under 50% AMI); cash assets under 10% of sales price; fixed-rate first mortgage only; property must pass UPCS inspection and appraisal.

يحدد HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network 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 Area Median Income as established by HUD for household size and locality; income for all household members over 18 counted (full-time students 18+ excluded). 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 HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network حدًا لسعر الشراء على النحو التالي: Home value/sales price may not exceed 95% of the area median home sales price (HUD 203(b) limits), established annually by HUD. تشمل أنواع العقارات المؤهلة Single Family، 2-4 Unit، Townhouse، Condo، Modular وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network مشتري المنازل الذين يشترون في مقاطعة Winchester City, Frederick, Clarke, Warren, Page, Shenandoah، Virginia. يستهدف البرنامج مناطق محددة: Designated high-cost/chronically economically depressed localities receive up to 15% of sales price (vs 10% standard). Winchester, Frederick, Clarke, Warren, Page, and Shenandoah qualify for the 15% tier.

تُقدَّم طلبات HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network عبر Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served; funds cannot be reserved until the homebuyer is pre-approved by a lender and meets DPA eligibility guidelines. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.