City of Alexandria Employee Homeownership Incentive Program (EHIP)

City of Alexandria Employee Homeownership Incentive Program (EHIP) es un segundo préstamo diferido para compradores de vivienda en Alexandria, Virginia, a cargo de City of Alexandria Office of Housing. The Employee Homeownership Incentive Program (EHIP) provides an interest-free, deferred-payment loan of $7,500 to $15,000 to eligible employees of the City of Alexandria and affiliated government agencies, to assist with down payment, closing costs, or other settlement costs on a home purchase within the City of Alexandria. Loan amount is determined by a three-tier household AMI structure, with prorated amounts for part-time employees. The loan is secured by a deed of trust, deferred with no monthly payments, and becomes repayable upon sale, transfer, or loss of primary residence status. 0% interest deferred loan. Tiered assistance $7,500-$15,000 based on AMI. No monthly payments required. Stackable with FHAP and SPARC. Covers down payment, closing costs, and other settlement costs.

City of Alexandria Employee Homeownership Incentive Program (EHIP) ofrece entre $7,500 y $15,000 de ayuda. Niveles de ayuda: 3 tiers by AMI: $15,000 for households <=80% AMI; $11,500 for households >80% to <=120% AMI; $7,500 for households >120% AMI (no upper income cap stated; part-time employees receive prorated amounts). El programa se puede combinar con City of Alexandria Flexible Homeownership Assistance Program (FHAP); Virginia Housing SPARC program. Los montos son los máximos publicados por el programa, no una oferta: City of Alexandria Office of Housing determina cualquier ayuda individual.

City of Alexandria Employee Homeownership Incentive Program (EHIP) es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. El reembolso se activa por Sale, transfer, or cessation of primary residence occupancy. La ayuda se registra con un gravamen en posición Subordinate (secured/recorded against subject property). Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

City of Alexandria Employee Homeownership Incentive Program (EHIP) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Virginia Housing homebuyer education certificate required (available online). If combining with FHAP, must also complete City homebuyer education curriculum before submitting an offer. Requisito de residencia: Property must be located within the corporate limits of the City of Alexandria. Employment-based eligibility only. Restricted to employees of City of Alexandria and 13 named affiliated agencies/courts working 20+ hours/week. No first-time homebuyer requirement in official documents. Max purchase price: brochure (2026) $750,000; city webpage $725,000 (brochure used as authoritative). No credit score minimum, DTI maximum, or citizenship requirement published.

City of Alexandria Employee Homeownership Incentive Program (EHIP) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 2026 HUD income limits used for tier determination. Tier 1 (<=80% AMI, $15,000): 4-person $132,880. Tier 2 (80-120% AMI, $11,500): 4-person upper bound $199,320. Tier 3 (>120% AMI, $7,500): no published upper income cap in brochure. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

City of Alexandria Employee Homeownership Incentive Program (EHIP) limita el precio de compra a $750,000. Los tipos de propiedad elegibles incluyen Single Family, Townhouse, Condo y Co-op. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

City of Alexandria Employee Homeownership Incentive Program (EHIP) menciona a educadores entre los grupos a los que atiende. El programa también está limitado a empleados de City of Alexandria; Alexandria City Public Schools; Alexandria Commonwealth Attorney; Alexandria Clerk of Court; Alexandria Sheriff; 18th Circuit Court; 18th General District Court; 18th Juvenile and Domestic Relations District Court; Alexandria Court Services Unit; Alexandria Law Library; Alexandria Registrar of Voters; Alexandria Public Library; Alexandria Health Department. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

City of Alexandria Employee Homeownership Incentive Program (EHIP) atiende a compradores de vivienda que compran en Alexandria, Virginia.

Las solicitudes de City of Alexandria Employee Homeownership Incentive Program (EHIP) se tramitan a través de City of Alexandria Office of Housing, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.