Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program은(는) Norfolk; Virginia Beach, Virginia 주택 구매자를 위한 탕감 가능 대출이며, Urban League of Hampton Roads, Inc. (ULHR)에서 운영합니다. The Urban League of Hampton Roads (ULHR), a HUD-approved housing counseling agency, is a designated regional administrator of the Virginia Down Payment Assistance (VA DPA) Pilot Program for the Hampton Roads region, serving Chesapeake, Franklin, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, and Smithfield. The VA DPA Pilot, funded by the Commonwealth of Virginia (not federal HOME funds) and administered through DHCD, provides down payment and closing-cost assistance to first-time homebuyers earning up to 60% of Area Median Income. Assistance is a forgivable second mortgage of $20,000 to $50,000 (including up to $2,500 in closing costs), secured for a 15-year affordability period and forgiven 1/15 per year; it can be fully forgiven if the buyer keeps the home as their principal residence for 15 years. ULHR also provides one-on-one pre-purchase counseling, first-time homebuyer classes, and access to Virginia Housing's SPARC 1% rate-reduction program. Forgivable second mortgage of $20,000-$50,000. Up to $2,500 toward closing costs. 0% interest, no monthly payments. Forgiven 1/15 per year; fully forgiven after 15 years. HUD-certified pre-purchase counseling and homebuyer education. 재원은 Commonwealth of Virginia general funds (state-funded VA DPA Pilot), administered by Virginia DHCD에서 나옵니다.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program은(는) $20,000에서 $50,000 사이의 지원을 제공합니다. 지원 등급: Single tier; up to 60% AMI; assistance $20,000-$50,000. 주택 구매자 부담금: Borrower must contribute 1% of the sales price from personal funds if income is 50%-60% 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 programs. NOT stackable with: DHCD HOME DPA (federal), CDBG, or ASNH.와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Urban League of Hampton Roads, Inc. (ULHR)에서 정합니다.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program은(는) 15년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: If the household moves out or sells before the end of the 15-year affordability period, a prorated portion of the assistance (the unforgiven balance, forgiven 1/15 per year) must be repaid from net proceeds after the first mortgage is satisfied. Failure to occupy as principal residence triggers repayment of the entire outstanding VA DPA investment. 지원금은 Second (forgivable second mortgage / deferred loan behind first trust mortgage) 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot 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 3 open, current trade lines. Exception to 580+ permitted if using an FHA fixed-rate product (or provider in-house fixed-rate financing) and meeting FHA guidelines, or with documented alternative credit. 주택 구매자 교육 이수가 필요하며, HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; ULHR offers its own first-time homebuyer classes and one-on-one counseling.을(를) 통해 받습니다. 거주 요건: Property must be purchased in ULHR's VA DPA Pilot service area (Chesapeake, Franklin, Hampton, Newport News, Norfolk, Portsmouth, Suffolk, Smithfield). Loan TERM: forgivable 0% second mortgage, $20,000-$50,000, 15-year affordability period, forgiven 1/15 per year, fully forgiven after 15 years of principal-residence occupancy; not assumable; max direct assistance cannot exceed 30% of sales price. Buyer must be pre-qualified with an FHA-approved lender, complete HUD-certified homebuyer education and 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. For Sale by Owner ineligible (except landlord-to-tenant, case-by-case). No cash back at closing.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program은(는) 가구 소득을 지역 중위 소득의 60%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Total household income up to 60% of HUD Area Median Income for the locality and household size, per HUD HOME income limits. Dollar limits vary by jurisdiction and household size across the Hampton Roads service area; see HUD/DHCD HOME income limit tables. (Unconfirmed: ULHR does not publish a per-household-size dollar chart on its site.). 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.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot 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. Property must be turnkey at settlement. 대상 주택 유형: Single-family detached (one unit), Duplex/Triplex (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.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program은(는) Norfolk; Virginia Beach, Virginia에서 주택을 구매하는 주택 구매자를 지원합니다.

Urban League of Hampton Roads — Virginia Down Payment Assistance (VA DPA) Pilot Program 신청은 Urban League of Hampton Roads, Inc. (ULHR)을(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 VA DPA eligibility. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.