TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program é um segundo empréstimo diferido para compradores de imóveis em Roanoke, Virginia, administrado por Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley. TAP (Total Action for Progress), a Roanoke Valley community action agency, is a Virginia DHCD-designated regional provider of the HOMEownership Down Payment & Closing Cost Assistance Program, funded through HUD HOME. It provides 0%-interest, deferred, forgivable silent-second gap financing to first-time homebuyers at or below 80% AMI — up to 10% of sales price (up to 15% in high-cost areas) plus up to $2,500 closing costs, $40,000 maximum, forgiven after a 5- or 10-year affordability period. As of June 2026, TAP's page states limited funds are available first-come, first-served. 0% interest deferred/forgivable second mortgage. no monthly payments. forgiven after affordability period. up to 10-15% of price plus up to $2,500 closing costs. stackable. free homebuyer education and counseling. Os recursos vêm de Federal HUD HOME funds via Virginia DHCD annual allocation.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program oferece entre $1,000 e $40,000 de ajuda. Faixas de ajuda: Up to 10% of sales price (standard) or up to 15% in DHCD-designated high-cost/economically depressed localities, plus up to $2,500 closing costs; $40,000 maximum total. Forgiveness term: 5 years for $1,000-$14,999; 10 years for $15,000-$40,000. Contribuição do comprador de imóvel: Income 50%-80% AMI: contribute 1% of sales price from personal funds. Income below 50% AMI: contribute $500. O programa pode ser combinado com May be leveraged with VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB, USDA, and other lender/employer/housing-authority programs. Os valores são os máximos publicados pelo programa, não uma oferta — Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley define qualquer ajuda individual.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program é diferido, então não há pagamentos até que o imóvel seja vendido ou refinanciado, ou a primeira hipoteca seja quitada. O reembolso é acionado por Sale, transfer of title (voluntary or involuntary), loss of owner-occupancy, or loan assumption during the period of affordability. A ajuda é registrada como ônus em posição Second (silent second / deferred loan via DHCD HOME Deed of Trust, subordinate to 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.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost 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: No primary-residence ownership in the most recent 3 years qualifies as first-time; exceptions for mobile homes titled as personal property and non-occupied inherited/investment property. Sobre crédito, o programa afirma: FICO median 620+ with at least 3 open, current trade lines; alternative credit (rent, utilities, retail) with 3+ trades may be considered. É exigido um curso de educação para compradores de imóveis, por meio de HUD-certified Homebuyer Education via Virginia Housing, NeighborWorks, or HUD-certified agency; HUD-certified housing counseling required. TAP offers its own counseling and education. Requisito de residência: Property must be in TAP's service area (Roanoke City, Roanoke County, Botetourt, Craig, Rockbridge, Salem City). Confirmed active and funded — TAP page states limited funds available first-come, first-served; DHCD DPA Local Provider Contact List (rev. March 2026) lists TAP as the Roanoke Valley provider. Distinct from the City of Roanoke's own DPA (50% match up to $4,000). Citizenship requirement, mortgage term, HOA, flood-zone, max acreage not specified.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. Household income at or below 80% AMI (HUD). Per TAP program page (2024 HOME limits): 1=$48,800; 2=$55,800; 3=$62,750; 4=$69,700; 5=$75,300; 6=$80,900; 7=$86,450; 8=$92,050. Updated annually by HUD; FY2025 Roanoke MSA HOME 80% 4-person ~$72,500. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. 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.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program limita o preço de compra assim: Home value/sales price may not exceed 95% of area median sales price (HUD 203B limits), set annually by HUD. Os tipos de imóvel elegíveis incluem Single Family, Townhouse, Condo, Modular, Manufactured e 2-4 Unit. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program atende compradores de imóveis que compram em Roanoke, Virginia. O programa é voltado para áreas específicas: DHCD designates certain localities high-cost/chronically economically depressed, where assistance may reach 15% of sales price (in TAP's area: Craig, Rockbridge, Salem).

As inscrições para TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program são feitas por meio de Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley, 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 after lender pre-approval and DPA eligibility; processed via DHCD CAMS. 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.