HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network은(는) Winchester City, Frederick, Clarke, Warren, Page, Shenandoah 카운티, Virginia 주택 구매자를 위한 상환 유예 후순위 대출이며, Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program에서 운영합니다. The HOMEownership Down Payment & Closing Cost Assistance Program (DPA), administered locally by Blue Ridge Housing Network for the Northern Shenandoah Valley (City of Winchester and Clarke, Frederick, Page, Shenandoah, and Warren counties), provides flexible gap financing to first-time homebuyers at or below 80% of area median income. Income-eligible buyers may receive up to 10% of the sales price (up to 15% in this designated high-cost region) plus up to $2,500 toward closing costs, with a maximum total of $40,000. Assistance is a 0% interest, no-payment deferred (silent second) loan secured by a deed of trust that is fully forgiven after a 5- or 10-year affordability period. Up to 10% (15% in high-cost area) of sales price toward down payment. Up to $2,500 toward closing costs. Maximum $40,000 total assistance. 0% interest, no monthly payments. Fully forgivable after 5- or 10-year affordability period. Free housing counseling. 재원은 HUD HOME Investment Partnerships Program funds allocated through Virginia DHCD에서 나옵니다.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network은(는) $1,000에서 $40,000 사이의 지원을 제공합니다. 지원 등급: Affordability period set by subsidy amount: $1,000-$14,999 = 5 years; $15,000-$40,000 = 10 years. Up to 10% of sales price (15% in designated high-cost/depressed localities, which include the BRHN service area) plus up to $2,500 closing costs. 주택 구매자 부담금: Buyers 50%-80% AMI contribute 1% of sales price from personal funds; buyers under 50% AMI contribute $500. 이 프로그램은 VIDA, ARS (Acquire, Renovate, Sell), Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Fannie Mae/Freddie Mac assistance programs와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program에서 정합니다.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: Sale, transfer of title, loan assumption, or ceasing to occupy the home as principal residence during the affordability period. 지원금은 Second (silent/deferred second deed of trust behind the first-trust mortgage) 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Never owned a home OR not held primary ownership in a principal residence within the most recent three-year period (with special cases for mobile homes titled as personal property and non-occupied investment/inherited property). 신용에 대해 프로그램은 다음과 같이 명시합니다: FICO median score of 620; at least 3 trade lines open and current. Alternative credit may be considered. 주택 구매자 교육 이수가 필요하며, HUD-certified homebuyer education course through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one counseling required (BRHN provides counseling free).을(를) 통해 받습니다. [Unparsed numeric values moved to notes: max_liquid_assets: Homebuyers with cash assets of 10% or more of the sales price are ineligible (excluding assets that cannot be liquidated without penalty).] First-time homebuyer; household income at or below 80% AMI; minimum 620 median FICO with 3+ open/current trade lines; minimum 90-day work history; complete HUD-certified homebuyer education and one-on-one counseling; 1% buyer contribution (50-80% AMI) or $500 (under 50% AMI); cash assets under 10% of sales price; fixed-rate first mortgage only; property must pass UPCS inspection and appraisal.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Total household income at or below 80% of Area Median Income as established by HUD for household size and locality; income for all household members over 18 counted (full-time students 18+ excluded). 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.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network의 구매 가격 상한은 다음과 같습니다: Home value/sales price may not exceed 95% of the area median home sales price (HUD 203(b) limits), established annually by HUD. 대상 주택 유형: Single Family, 2-4 Unit, Townhouse, Condo, Modular 및 Manufactured. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network은(는) Winchester City, Frederick, Clarke, Warren, Page, Shenandoah 카운티, Virginia에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Designated high-cost/chronically economically depressed localities receive up to 15% of sales price (vs 10% standard). Winchester, Frederick, Clarke, Warren, Page, and Shenandoah qualify for the 15% tier.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network 신청은 Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served; funds cannot be reserved until the homebuyer is pre-approved by a lender and meets DPA eligibility guidelines. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.