Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program — это отсроченный второй заём для покупателей жилья: округ Statewide (all Virginia counties and independent cities), Virginia; администратор — 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. Источник финансирования: U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program предоставляет от $1,000 до $40,000 помощи. Уровни помощи: Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities. Взнос покупателя жилья: 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). Программу можно сочетать с: VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs. Суммы — это опубликованные программой максимумы, а не предложение; размер каждой отдельной помощи определяет Habitat for Humanity Virginia.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program: долг списывается через 5 лет, поэтому покупателю жилья, который проживёт в доме этот срок, возвращать ничего не нужно. Возврат требуется в случае: 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. Помощь регистрируется как залог в очереди: Second (silent second / deferred loan behind first trust mortgage). Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program открыта для тех, кто покупает жильё впервые и покупателей жилья, которые будут жить в доме как в основном месте жительства. Из правила «впервые» здесь есть исключения: 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. О кредитной истории программа сообщает: Median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades) per DHCD HOME DPA Program Guidelines. Обязателен курс для покупателей жилья, через HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one HUD-certified housing counseling required. Требование о месте жительства: 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 ограничивает доход домохозяйства 80% от медианного дохода по району, который зависит от округа и размера семьи. 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.). Предел относится к общему доходу домохозяйства, а не только к доходу заёмщика. Показатели медианного дохода по району публикует HUD и обновляет ежегодно, поэтому, прежде чем полагаться на цифру, сверьтесь с действующей таблицей для округа.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program ограничивает цену покупки так: Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. Допустимые виды жилья: Single-family detached (one unit), Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied), Townhome, Condominium, Modular home и Manufactured home (post-June 15, 1976; permanent utility hookups; owned land or long-term lease). Новостройки допускаются. Сборные (заводские) дома допускаются.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program помогает покупателям жилья, которые покупают в этом месте: округ Statewide (all Virginia counties and independent cities), Virginia.

Заявки на Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program подаются через Habitat for Humanity Virginia; агентство публикует действующие условия и порядок подачи на своём сайте. Средства резервируются через First come, first served; funds reserved only after lender pre-approval and DPA eligibility. Contact via DPA@habitatvirginia.org. Hey Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.