Workforce Housing Program - For-Sale Component

Workforce Housing Program - For-Sale Component هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Virginia Beach، Virginia، وتديره City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP). The City of Virginia Beach's Workforce Housing Program (For-Sale Component) helps income-eligible working households (80-120% AMI) buy newly built, for-sale workforce housing units priced below market. The buyer pays the discounted price with their own first mortgage while the City provides a 0%-interest, no-payment second mortgage equal to the discount, repaid only on resale or transfer with the City's proportional share of net appreciation. Buyers must occupy the home as their primary residence, live or work in Virginia Beach, and complete homebuyer education. Buy a new home at a discount of up to 25% below market. City-provided 0% interest second mortgage with no monthly payments. No repayment until resale or transfer. City may waive part of its appreciation share to prevent a loss. يأتي التمويل من Workforce Housing Revolving Fund (recaptured WFH discounts, fees, and shared net appreciation); City may also make available CDBG and HOME funds.

Workforce Housing Program - For-Sale Component هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP). يُستحق السداد عند Due and payable from the proceeds of resale or transfer of the WFH Unit. Owner may not repay the second deed of trust until the unit is resold. On resale the owner repays the full principal of the WFH Discount plus the City's proportional share of net appreciation. تُسجَّل المساعدة في مرتبة الرهن: Second (subordinate only to the purchase-money first deed of trust). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Workforce Housing Program - For-Sale Component مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر Mandatory homebuyer education; the City provides a list of local homebuyer education classes (e.g., Virginia Housing, NACA). شرط الإقامة: At least one borrower must live or work full-time in Virginia Beach, or have a bona fide full-time job offer in the City starting within 3 months of application. City holds an exclusive right to purchase up to 1/3 of WFH units in a development. Buyer must apply for a mortgage within 5 days of signing a sales contract; annual owner-occupancy certification; City right of first refusal before resale. Net worth cap 50% of unit sales price (with exclusions). Refinancing requires prior DHNP Director approval.

يحدد Workforce Housing Program - For-Sale Component دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household combined annual gross income must be between 80% and 120% of AMI, adjusted for household size. WFH Income Guidelines (adopted Oct 20 2025; HUD AMIs eff. Apr 1 2025; VB-Norfolk-Newport News MSA; 4-person median $106,500): 120% 4p $127,800; 110% 4p $117,150; 100% 4p $106,500; 90% 4p $95,850; 80% 4p $85,200 (full table by 1-6 persons in source). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 6. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Workforce Housing Program - For-Sale Component حدًا أقصى لسعر الشراء قدره $452,667. تشمل أنواع العقارات المؤهلة Single Family، Townhouse، Condo و2-4 Unit. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Workforce Housing Program - For-Sale Component مشتري المنازل الذين يشترون في Virginia Beach، Virginia. يستهدف البرنامج مناطق محددة: WFH units built in Strategic Growth Areas (Burton Station, Centerville, Newtown, Pembroke, Resort, Rosemont). Excluded: Accident Potential Zones, Noise Zones 65-70 dB DNL+, and R-10 through R-40 districts.

تُقدَّم طلبات Workforce Housing Program - For-Sale Component عبر City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر DHNP maintains a waiting list of pre-screened Eligible Buyers; next Eligible Buyer is verified, issued a Certificate of Eligible Buyer Status, and has 7 days to decide to purchase. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.