Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program é um segundo empréstimo diferido para compradores de imóveis em Condado de Statewide (all Virginia counties and independent cities), Virginia, administrado por Habitat for Humanity Virginia. 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. Os recursos vêm de U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program oferece entre $1,000 e $40,000 de ajuda. Faixas de ajuda: Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities. Contribuição do comprador de imóvel: 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). O programa pode ser combinado com VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs. Os valores são os máximos publicados pelo programa, não uma oferta — Habitat for Humanity Virginia define qualquer ajuda individual.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program é perdoado após 5 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por 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. A ajuda é registrada como ônus em posição Second (silent second / deferred loan behind first trust mortgage). As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: 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. Sobre crédito, o programa afirma: Median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades) per DHCD HOME DPA Program Guidelines. É exigido um curso de educação para compradores de imóveis, por meio de HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one HUD-certified housing counseling required. Requisito de residência: 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 Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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.). O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program limita o preço de compra assim: Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. Os tipos de imóvel elegíveis incluem Single-family detached (one unit), Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied), Townhome, Condominium, Modular home e Manufactured home (post-June 15, 1976; permanent utility hookups; owned land or long-term lease). Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program atende compradores de imóveis que compram em Condado de Statewide (all Virginia counties and independent cities), Virginia.

As inscrições para Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program são feitas por meio de Habitat for Humanity Virginia, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de First come, first served; funds reserved only after lender pre-approval and DPA eligibility. Contact via DPA@habitatvirginia.org. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.