TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في Roanoke، Virginia، وتديره Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley. TAP (Total Action for Progress), a Roanoke Valley community action agency, is a Virginia DHCD-designated regional provider of the HOMEownership Down Payment & Closing Cost Assistance Program, funded through HUD HOME. It provides 0%-interest, deferred, forgivable silent-second gap financing to first-time homebuyers at or below 80% AMI — up to 10% of sales price (up to 15% in high-cost areas) plus up to $2,500 closing costs, $40,000 maximum, forgiven after a 5- or 10-year affordability period. As of June 2026, TAP's page states limited funds are available first-come, first-served. 0% interest deferred/forgivable second mortgage. no monthly payments. forgiven after affordability period. up to 10-15% of price plus up to $2,500 closing costs. stackable. free homebuyer education and counseling. يأتي التمويل من Federal HUD HOME funds via Virginia DHCD annual allocation.

يقدم TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program مساعدة تتراوح بين $1,000 و$40,000. فئات المنحة: Up to 10% of sales price (standard) or up to 15% in DHCD-designated high-cost/economically depressed localities, plus up to $2,500 closing costs; $40,000 maximum total. Forgiveness term: 5 years for $1,000-$14,999; 10 years for $15,000-$40,000. مساهمة مشتري المنزل: Income 50%-80% AMI: contribute 1% of sales price from personal funds. Income below 50% AMI: contribute $500. يمكن الجمع بين البرنامج وMay be leveraged with VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB, USDA, and other lender/employer/housing-authority programs. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley هي التي تحدد أي مبلغ يُمنح لكل شخص.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program 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 (voluntary or involuntary), loss of owner-occupancy, or loan assumption during the period of affordability. تُسجَّل المساعدة في مرتبة الرهن: Second (silent second / deferred loan via DHCD HOME Deed of Trust, subordinate to first trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

TAP (Total Action for Progress) 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: No primary-residence ownership in the most recent 3 years qualifies as first-time; exceptions for mobile homes titled as personal property and non-occupied inherited/investment property. بشأن الائتمان، ينص البرنامج على: FICO median 620+ with at least 3 open, current trade lines; alternative credit (rent, utilities, retail) with 3+ trades may be considered. يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified Homebuyer Education via Virginia Housing, NeighborWorks, or HUD-certified agency; HUD-certified housing counseling required. TAP offers its own counseling and education. شرط الإقامة: Property must be in TAP's service area (Roanoke City, Roanoke County, Botetourt, Craig, Rockbridge, Salem City). Confirmed active and funded — TAP page states limited funds available first-come, first-served; DHCD DPA Local Provider Contact List (rev. March 2026) lists TAP as the Roanoke Valley provider. Distinct from the City of Roanoke's own DPA (50% match up to $4,000). Citizenship requirement, mortgage term, HOA, flood-zone, max acreage not specified.

يحدد TAP (Total Action for Progress) 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 at or below 80% AMI (HUD). Per TAP program page (2024 HOME limits): 1=$48,800; 2=$55,800; 3=$62,750; 4=$69,700; 5=$75,300; 6=$80,900; 7=$86,450; 8=$92,050. Updated annually by HUD; FY2025 Roanoke MSA HOME 80% 4-person ~$72,500. 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 TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program حدًا لسعر الشراء على النحو التالي: Home value/sales price may not exceed 95% of area median sales price (HUD 203B limits), set annually by HUD. تشمل أنواع العقارات المؤهلة Single Family، Townhouse، Condo، Modular، Manufactured و2-4 Unit. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program مشتري المنازل الذين يشترون في Roanoke، Virginia. يستهدف البرنامج مناطق محددة: DHCD designates certain localities high-cost/chronically economically depressed, where assistance may reach 15% of sales price (in TAP's area: Craig, Rockbridge, Salem).

تُقدَّم طلبات TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program عبر Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served; funds reserved after lender pre-approval and DPA eligibility; processed via DHCD CAMS. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.