Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program هو قرض قابل للإعفاء لمشتري المنازل في Norfolk; Virginia Beach، Virginia، وتديره Urban League of Hampton Roads, Inc. (ULHR). The Urban League of Hampton Roads (ULHR), a HUD-approved housing counseling agency, is a designated regional administrator of the Virginia Down Payment Assistance (VA DPA) Pilot Program for the Hampton Roads region, serving Chesapeake, Franklin, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Smithfield. The VA DPA Pilot, funded by the Commonwealth of Virginia (not federal HOME funds) and administered through DHCD, provides down payment and closing-cost assistance to first-time homebuyers earning up to 60% of Area Median Income. Assistance is a forgivable second mortgage of $20,000 to $50,000 (including up to $2,500 in closing costs), secured for a 15-year affordability period and forgiven 1/15 per year; it can be fully forgiven if the buyer keeps the home as their principal residence for 15 years. ULHR also provides one-on-one pre-purchase counseling, first-time homebuyer classes, and access to Virginia Housing's SPARC 1% rate-reduction program. Forgivable second mortgage of $20,000-$50,000. Up to $2,500 toward closing costs. 0% interest, no monthly payments. Forgiven 1/15 per year; fully forgiven after 15 years. HUD-certified pre-purchase counseling and homebuyer education. يأتي التمويل من Commonwealth of Virginia general funds (state-funded VA DPA Pilot), administered by Virginia DHCD.

يقدم Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program مساعدة تتراوح بين $20,000 و$50,000. فئات المنحة: Single tier; up to 60% AMI; assistance $20,000-$50,000. مساهمة مشتري المنزل: Borrower must contribute 1% of the sales price from personal funds if income is 50%-60% 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. NOT stackable with: DHCD HOME DPA (federal), CDBG, or ASNH. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Urban League of Hampton Roads, Inc. (ULHR) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program بعد 15 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند If the household moves out or sells before the end of the 15-year affordability period, a prorated portion of the assistance (the unforgiven balance, forgiven 1/15 per year) must be repaid from net proceeds after the first mortgage is satisfied. Failure to occupy as principal residence triggers repayment of the entire outstanding VA DPA investment. تُسجَّل المساعدة في مرتبة الرهن: Second (forgivable second mortgage / deferred loan behind first trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot 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 3 open, current trade lines. Exception to 580+ permitted if using an FHA fixed-rate product (or provider in-house fixed-rate financing) and meeting FHA guidelines, or with documented alternative credit. يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; ULHR offers its own first-time homebuyer classes and one-on-one counseling. شرط الإقامة: Property must be purchased in ULHR's VA DPA Pilot service area (Chesapeake, Franklin, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, Smithfield). Loan TERM: forgivable 0% second mortgage, $20,000-$50,000, 15-year affordability period, forgiven 1/15 per year, fully forgiven after 15 years of principal-residence occupancy; not assumable; max direct assistance cannot exceed 30% of sales price. Buyer must be pre-qualified with an FHA-approved lender, complete HUD-certified homebuyer education and 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. For Sale by Owner ineligible (except landlord-to-tenant, case-by-case). No cash back at closing.

يحدد Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program دخل الأسرة بما لا يتجاوز 60% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Total household income up to 60% of HUD Area Median Income for the locality and household size, per HUD HOME income limits. Dollar limits vary by jurisdiction and household size across the Hampton Roads service area; see HUD/DHCD HOME income limit tables. (Unconfirmed: ULHR 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 Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot 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. Property must be turnkey at settlement. تشمل أنواع العقارات المؤهلة Single-family detached (one unit)، Duplex/Triplex (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 Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program مشتري المنازل الذين يشترون في Norfolk; Virginia Beach، Virginia.

تُقدَّم طلبات Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program عبر Urban League of Hampton Roads, Inc. (ULHR)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First come, first served; funds reserved only after lender pre-approval and VA DPA eligibility. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.