Prince William County First-Time Homebuyer (FTHB) Program

Prince William County First-Time Homebuyer (FTHB) Program es un segundo préstamo diferido para compradores de vivienda en Woodbridge, Virginia, a cargo de Prince William County Office of Housing and Community Development. Prince William County's FTHB Program provides down payment and closing cost assistance to low- and moderate-income first-time buyers who live or work in the Prince William Area (the county and the cities of Manassas and Manassas Park). Assistance is a 30-year deferred second-trust loan with shared market appreciation, funded by federal HOME dollars. Buyers complete three financial education/counseling sessions and contribute at least 1% of their own funds. Down payment & closing cost assistance. 0% interest, no monthly payments. 30-year deferred. Available to buyers who work (not just live) in the area. Los fondos provienen de Federal HOME Investment Partnerships allocation.

Prince William County First-Time Homebuyer (FTHB) 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. El reembolso se activa por Due and payable if property no longer principal residence, sold, transferred, or first loan refinanced to remove equity; includes shared market appreciation. La ayuda se registra con un gravamen en posición Second (subordinate) lien. 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.

Prince William County First-Time Homebuyer (FTHB) Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: No residential ownership interest anywhere in last 3 years. Sobre el crédito, el programa indica: Min middle score 640; no outstanding judgments/collections (medical must be paid); no late payments in last 12 months. Se requiere un curso de educación para compradores de vivienda, a través de Virginia Cooperative Extension (Smart Money Management + HUD-certified counseling) plus Virginia Housing Home Ownership Seminar. Requisito de residencia: Must live or work in the Prince William Area (PWC, City of Manassas, or City of Manassas Park); property within that area. Ciudadanía o situación migratoria: All occupants U.S. citizens or qualified persons with valid USCIS documents. No payday/title loans or negative deposit balances in last 6 months; min 2 yrs since bankruptcy discharge; extra restrictions after prior foreclosure/deed-in-lieu/short sale. Applications only during open, funded periods.

Prince William County First-Time Homebuyer (FTHB) Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Combined gross household income at/below 80% AMI (Washington-Arlington-Alexandria HUD area) by household size. 4-person 80% = $106,800 (eff 6/1/2026); 1-person $74,800 to 8-person $141,000. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

Prince William County First-Time Homebuyer (FTHB) Program limita el precio de compra a $399,000.

Prince William County First-Time Homebuyer (FTHB) Program atiende a compradores de vivienda que compran en Woodbridge, Virginia.

Las solicitudes de Prince William County First-Time Homebuyer (FTHB) Program se tramitan a través de Prince William County Office of Housing and Community Development, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de First-come, first-served during open application periods (Neighborly portal); waitlist when funds depleted. 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.