Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro

Ang Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro ay isang loan na mapapatawad para sa mga bibili ng bahay sa Staunton, Virginia, na pinangangasiwaan ng Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator. A regional first-time homebuyer down payment and closing cost assistance program administered by the Central Shenandoah Planning District Commission using Virginia DHCD HOMEownership (HOME) funds. Offers a 0% interest forgivable loan of up to 10% of purchase price for down payment plus up to $2,500 for closing costs (max total $11,000), forgivable after a 5-year affordability period, to first-time homebuyers at or below 80% AMI in the Central Shenandoah region including the cities of Staunton and Waynesboro. 0% interest, forgivable after 5 years, covers down payment (up to 10%) and closing costs (up to $2,500); stackable with Virginia Housing SPARC 1% rate reduction and other gap programs. Ang pondo ay mula sa Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federal HUD HOME funds).

Nag-aalok ang Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro ng tulong mula $1,000 hanggang $11,000. Ambag ng bibili ng bahay: Buyer must contribute 1% of purchase price from personal funds if income is 50%-80% AMI, or a minimum of $500 if income is below 50% AMI. Maaaring isama ang programa sa VIDA, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA assistance, Fannie Mae/Freddie Mac assistance (CLTV not to exceed 108%; LTV not to exceed 96.5%). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, transfer of title, refinance, or failure to occupy as primary residence during the 5-year affordability period triggers recapture/repayment of HOME funds from available net proceeds. Nakatala ang tulong bilang lien sa posisyong Subordinate (silent second / deferred loan recorded via Deed of Trust behind first trust lender). Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Buyer who has not held primary ownership in a principal residence within the most recent three-year period qualifies as first-time homebuyer. Tungkol sa credit, sinasabi ng programa: FICO median score of 620; minimum 3 open and current trade lines (alternative credit may be considered). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified Homebuyer Education Course through Virginia Housing, NeighborWorks, or a HUD-certified agency; plus homeownership counseling from a HUD-certified housing counselor. Citizenship o katayuan sa imigrasyon: Must be a U.S. citizen or lawful permanent resident. Buyer cash contribution (1% of price if 50-80% AMI, or $500 if under 50% AMI); HUD-certified homebuyer education + counseling; 90-day work history; signed purchase contract; property must pass UPCS inspection and be turn-key. NOTE: possible relationship to the existing catalog row 'HOME First-Time Homebuyers Program' (Augusta, Bath, Highland, Rockbridge, at Rockingham) which may share the same DHCD program/administrator for the rural counties; this row covers the independent cities of Staunton and Waynesboro. The CSPDC brochure caps assistance at $11,000/5-year forgiveness while governing DHCD guidelines allow up to $40,000 with tiered affordability - brochure figures used. Verify dedupe vs Augusta-region row before publishing.

Nililimitahan ng Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income may not exceed 80% of Area Median Income. Staunton-Waynesboro, VA MSA 2026 limits: 1p $55,200; 2p $63,050; 3p $70,950; 4p $78,800; 5p $85,150; 6p $91,450; 7p $97,750; 8p $104,050 (effective 05/01/2026). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro ang presyo ng pagbili sa $269,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, Condo, Manufactured, at 2-4 Unit. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro ang mga bibili ng bahay sa Staunton, Virginia. Mga target na kapitbahayan: Cities of Staunton and Waynesboro (program also serves Harrisonburg, Rockbridge County, Buena Vista, Lexington, and other Central Shenandoah localities).

Dumadaan sa Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator ang mga aplikasyon para sa Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served based on availability of funds; funds reserved only after homebuyer is lender pre-approved and meets DPA eligibility. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.