Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program은(는) Statewide (all Virginia counties and independent cities) 카운티, Virginia 주택 구매자를 위한 상환 유예 후순위 대출이며, Habitat for Humanity Virginia에서 운영합니다. Habitat for Humanity Virginia is a designated statewide administrator of the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federally funded by HUD HOME). It provides down payment and closing-cost assistance to income-eligible first-time homebuyers at or below 80% AMI across the entire Commonwealth, including buyers who are NOT purchasing a Habitat-built home. The DPA is a deferred, 0% second loan up to 10% of the sales price (up to 15% in DHCD-designated high-cost/economically depressed localities) plus up to $2,500 toward closing costs, to a maximum of $40,000, secured by a deed of trust for a 5- or 10-year affordability period and forgiven if the home remains the buyer's principal residence through the period. Because Habitat Virginia covers every Virginia locality on DHCD's provider list, it functions as the statewide backstop DPA provider in addition to regional nonprofit administrators. Statewide coverage including non-Habitat home purchases. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Deferred 0% loan, fully forgiven after affordability period. 재원은 U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD에서 나옵니다.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program은(는) $1,000에서 $40,000 사이의 지원을 제공합니다. 지원 등급: Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities. 주택 구매자 부담금: Borrower must contribute 1% of the sales price from personal funds if income is 50%-80% AMI; if income is below 50% AMI, contribution is $500 (receipts required). 이 프로그램은 VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Habitat for Humanity Virginia에서 정합니다.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale or transfer of title (voluntary or involuntary), or failure to occupy as principal residence, during the affordability period triggers recapture/repayment of the entire outstanding HOME investment from available net proceeds. 지원금은 Second (silent second / deferred loan behind first trust mortgage) 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer = never owned a home OR has not held primary ownership in a principal residence within the most recent 3-year period. Mobile homes titled as personal property and investment/inherited property not occupied as principal residence in the last 3 years still qualify the buyer as first-time. 신용에 대해 프로그램은 다음과 같이 명시합니다: Median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades) per DHCD HOME DPA Program Guidelines. 주택 구매자 교육 이수가 필요하며, HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one HUD-certified housing counseling required.을(를) 통해 받습니다. 거주 요건: Property must be in Virginia; Habitat Virginia covers all Virginia localities as the statewide DPA administrator. Loan TERM: deferred 0% second with 5-year affordability period for $1,000-$14,999 and 10-year for $15,000-$40,000; fully forgiven at end of term; not assumable. Statewide DPA administrator; assistance available even when the buyer is not purchasing a Habitat-built home. Buyer must complete HUD-certified homebuyer education/counseling, have 90-day minimum work history, pay off collections of $1,000+ and all judgments before closing, and hold cash assets below 10% of sales price. No cash back at closing. Contact for DPA is Gwen Christmas.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Total household income at or below 80% of HUD Area Median Income for the locality and household size, per HUD's annually updated HOME income limits. Because coverage is statewide, the dollar limit varies by jurisdiction and household size; see DHCD 2025 HUD HOME Income Levels. (Unconfirmed: no single statewide dollar figure applies.). 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program의 구매 가격 상한은 다음과 같습니다: Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. 대상 주택 유형: Single-family detached (one unit), Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied), Townhome, Condominium, Modular home 및 Manufactured home (post-June 15, 1976; permanent utility hookups; owned land or long-term lease). 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program은(는) Statewide (all Virginia counties and independent cities) 카운티, Virginia에서 주택을 구매하는 주택 구매자를 지원합니다.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program 신청은 Habitat for Humanity Virginia을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First come, first served; funds reserved only after lender pre-approval and DPA eligibility. Contact via DPA@habitatvirginia.org. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.