Piedmont Housing Alliance Down Payment Loan Program

Piedmont Housing Alliance Down Payment Loan Program es un segundo préstamo diferido para compradores de vivienda en Charlottesville, Virginia, a cargo de Piedmont Housing Alliance (CDFI). Piedmont Housing Alliance, a US Treasury-certified CDFI, administers funds loaned to homebuyers for down payment and closing costs. Most funds come from outside sources, each with its own eligibility and terms. Buyers qualify if household income is below 80% AMI; eligibility and funding source are determined through a housing counseling session after the 'DPA with PHA' class and intake. PHA has helped more than 800 families and deployed more than $7 million in down payment assistance. Down payment and closing cost loan assistance from multiple funding pools. Housing counseling and financial coaching. DPA with PHA education class. Combinable with SPARC 1% rate reduction. CDFI-administered. Los fondos provienen de Multiple outside funding sources administered by Piedmont Housing Alliance (each with its own eligibility and terms).

Piedmont Housing Alliance Down Payment Loan Program es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. 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.

Piedmont Housing Alliance Down Payment Loan Program 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 Piedmont Housing Alliance 'DPA with PHA' class and housing counseling/financial coaching. Requisito de residencia: Serves the City of Charlottesville and counties of Albemarle, Greene, Fluvanna, Louisa, and Nelson. Eligibility and loan terms vary by funding source and are determined individually through a housing counseling session. Process: complete the online Information Form, attend client orientation, then complete the intake form. SPARC (a Virginia Housing rate-reduction program) is administered alongside but is a separate program.

Piedmont Housing Alliance Down Payment Loan Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income below 80% of Area Median Income. Income limits updated each spring; 2026 AMI charts published by Piedmont Housing Alliance. 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.

Piedmont Housing Alliance Down Payment Loan Program atiende a compradores de vivienda que compran en Charlottesville, Virginia.

Las solicitudes de Piedmont Housing Alliance Down Payment Loan Program se tramitan a través de Piedmont Housing Alliance (CDFI), 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.