SCDHC HOMEownership Down Payment & Closing Cost Assistance Program

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في Richmond; Petersburg; Emporia، Virginia، وتديره Southside Community Development & Housing Corporation (SCDHC). Southside Community Development & Housing Corporation (SCDHC), a HUD-approved housing counseling agency and the largest single-family nonprofit housing developer in the Richmond MSA, administers the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federally funded by HUD HOME) as a regional provider for the Crater/Southside region (Brunswick, Charles City, Dinwiddie, Emporia, Greensville, Petersburg, Prince George, Southampton, Sussex) and the Richmond metro (Henrico, Chesterfield, City of Richmond). The DPA is a deferred, no-payment, no-interest second loan that helps income-eligible first-time homebuyers at or below 80% AMI cover down payment and closing costs. Assistance is provided 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. The loan is secured by a deed of trust for a 5-year (assistance of $1,000-$14,999) or 10-year ($15,000-$40,000) affordability period and is fully forgiven if the buyer keeps the home as their principal residence through the period. SCDHC also offers homebuyer education, one-on-one counseling, and a VIDA matched-savings program. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Deferred 0% loan, no monthly payments. Fully forgiven after affordability period. HUD-certified homebuyer education and one-on-one counseling. يأتي التمويل من U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD.

يقدم SCDHC 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. The 1% may include appraisal, insurance, third-party inspection fees, credit report, and closing costs (receipts required). SCDHC pre-screen asks for at least $2,000 in savings. يمكن الجمع بين البرنامج وVIDA, ARS (Acquire/Renovate/Sell), 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؛ Southside Community Development & Housing Corporation (SCDHC) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من SCDHC 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 (rented/vacant), 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 recorded behind first trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

SCDHC 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: SCDHC's own screening states a credit score above 640. The underlying DHCD HOME DPA program requires a median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades). يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified homebuyer education course through Virginia Housing, NeighborWorks, or a HUD-certified agency; SCDHC provides its own HUD-approved homebuyer education workshops and counseling. شرط الإقامة: Property must be in SCDHC's DHCD-assigned service area (Crater/Southside counties and Richmond metro localities listed). Loan TERM: deferred second with 5-year affordability period for assistance of $1,000-$14,999 and 10-year affordability period for $15,000-$40,000; no payments and 0% interest; fully forgiven at end of affordability period; not assumable. Borrower must complete HUD-certified homebuyer education and one-on-one counseling, have a 90-day minimum work history, pay off collections totaling $1,000+ and all judgments before closing, and have cash assets below 10% of the sales price. No cash back to buyer at closing.

يحدد SCDHC HOMEownership Down Payment & Closing Cost 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 (AMI) for the locality and household size, per HUD's annually updated HOME income limits. SCDHC's own pre-screen also asks that annual income be at least $40,000. Exact dollar limits vary by jurisdiction and household size; see DHCD/HUD HOME income limit tables (Unconfirmed: SCDHC does not publish a per-household-size dollar chart on its site). 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 SCDHC 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, no other units owned as rentals)، Townhome، Condominium، Modular home وManufactured home (post-June 15, 1976; permanent utility hookups; on owned land or long-term lease). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم SCDHC HOMEownership Down Payment & Closing Cost Assistance Program مشتري المنازل الذين يشترون في Richmond; Petersburg; Emporia، Virginia.

تُقدَّم طلبات SCDHC HOMEownership Down Payment & Closing Cost Assistance Program عبر Southside Community Development & Housing Corporation (SCDHC)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First come, first served; funds reserved only after the buyer is pre-approved by a lender and meets DPA eligibility. Workshop registration and online application via SCDHC. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.