City of Falls Church Affordable Homeownership Program (CFCAHP)

City of Falls Church Affordable Homeownership Program (CFCAHP) è un prestito a rivalutazione condivisa per chi compra casa in Falls Church, Virginia, gestito da The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). The City of Falls Church Affordable Homeownership Program (CFCAHP) helps income-qualified first-time homebuyers purchase homes in the City of Falls Church at a reduced price. NHPF acquires market-rate homes, rehabs them, and resells them at a written-down price (up to ~$170,000 below market) to buyers earning 50%-120% of AMI. The price reduction (subsidy) is sized between $50,000 and $150,000 based on AMI, and is a forgivable grant subject to a 99-year affordability covenant with shared-appreciation recapture on resale. Below-market purchase price (subsidy $50,000-$150,000); access to Virginia Housing DPA/closing-cost grants and SPARC; energy-efficiency rehab; long-term affordability protections. I fondi provengono da Virginia Housing REACH program grant + City of Falls Church funds.

City of Falls Church Affordable Homeownership Program (CFCAHP) offre un aiuto tra $50,000 e $150,000. Contributo di chi compra casa: Applicant must have a minimum of 1% of the sales price documented and available toward closing costs/prepaid items or reserves. Il programma può essere combinato con Virginia Housing SPARC, Down Payment Assistance Grant, Closing Cost Assistance Grant, Plus Second Mortgage; DHCD HOMEownership DPA; Virginia Individual Development Accounts (VIDA). Gli importi sono i massimi pubblicati dal programma, non un'offerta: è The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS) a stabilire l'eventuale importo per ciascuna persona.

City of Falls Church Affordable Homeownership Program (CFCAHP) è un prestito a rivalutazione condivisa e si restituisce secondo le condizioni fissate da The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). Il rimborso scatta in caso di Upon resale/transfer, refinance, condemnation, casualty, or default of the Affordability Covenant the City is reimbursed its original Subsidy Value plus 25% of net proceeds; the subsidy does not have to be repaid so long as the buyer remains owner-occupant in compliance with the Covenant. L'aiuto è iscritto in posizione second. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

City of Falls Church Affordable Homeownership Program (CFCAHP) è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: No household member may have owned residential property in the last 3 years; a divorced applicant who owned/resided in a home with a former spouse is treated as a first-time homebuyer. Sul credito, il programma afferma: Minimum middle credit score of 620; applicants must also qualify for a Virginia Housing loan. È richiesto un corso per chi compra casa, tramite Virginia Housing Homeownership Education Program (free, English and Spanish, online and in-person); certificate required prior to closing. Requisito di residenza: Not required, but priority given to those who live/work in or for the City of Falls Church. 99-year Declaration of Affordability Covenants (use/refinance/resale restrictions + City purchase option); annual owner-occupancy affidavit; housing cost (incl. HOA/condo fees, taxes, insurance) may not exceed 40% of gross annual income for subsidy offer; co-signers outside household prohibited; household liquid assets cannot exceed 50% of the sales price (retirement excluded); 5 calendar days to execute sales contract and 45 days to close after referral.

City of Falls Church Affordable Homeownership Program (CFCAHP) limita il reddito familiare a $163,900. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

City of Falls Church Affordable Homeownership Program (CFCAHP) può essere usato per Single Family, Townhouse e Condo. Le nuove costruzioni non sono idonee. Le case prefabbricate non sono idonee.

City of Falls Church Affordable Homeownership Program (CFCAHP) cita persone con disabilità che comprano casa tra i gruppi a cui si rivolge. Essere citati qui significa che il programma menziona il gruppo, non che l'appartenenza basti da sola a soddisfare i requisiti: valgono comunque le altre regole di idoneità.

City of Falls Church Affordable Homeownership Program (CFCAHP) si rivolge a chi compra casa in Falls Church, Virginia. Il programma si rivolge a zone specifiche: Entire City of Falls Church (2.2 sq mi).

Le domande per City of Falls Church Affordable Homeownership Program (CFCAHP) passano da The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Prescreening application then Certified Buyers waitlist ranked by priority criteria, then first-come first-served; buyers matched to properties as acquired. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.