City of Alexandria Employee Homeownership Incentive Program (EHIP)

Ang City of Alexandria Employee Homeownership Incentive Program (EHIP) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Alexandria, Virginia, na pinangangasiwaan ng City of Alexandria Office of Housing. The Employee Homeownership Incentive Program (EHIP) provides an interest-free, deferred-payment loan of $7,500 to $15,000 to eligible employees of the City of Alexandria and affiliated government agencies, to assist with down payment, closing costs, or other settlement costs on a home purchase within the City of Alexandria. Loan amount is determined by a three-tier household AMI structure, with prorated amounts for part-time employees. The loan is secured by a deed of trust, deferred with no monthly payments, and becomes repayable upon sale, transfer, or loss of primary residence status. 0% interest deferred loan. Tiered assistance $7,500-$15,000 based on AMI. No monthly payments required. Stackable with FHAP and SPARC. Covers down payment, closing costs, and other settlement costs.

Nag-aalok ang City of Alexandria Employee Homeownership Incentive Program (EHIP) ng tulong mula $7,500 hanggang $15,000. Mga award tier: 3 tiers by AMI: $15,000 for households <=80% AMI; $11,500 for households >80% to <=120% AMI; $7,500 for households >120% AMI (no upper income cap stated; part-time employees receive prorated amounts). Maaaring isama ang programa sa City of Alexandria Flexible Homeownership Assistance Program (FHAP); Virginia Housing SPARC program. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang City of Alexandria Office of Housing ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang City of Alexandria Employee Homeownership Incentive Program (EHIP), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, or cessation of primary residence occupancy. Nakatala ang tulong bilang lien sa posisyong Subordinate (secured/recorded against subject property). 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 City of Alexandria Employee Homeownership Incentive Program (EHIP) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Virginia Housing homebuyer education certificate required (available online). If combining with FHAP, must also complete City homebuyer education curriculum before submitting an offer. Requirement sa paninirahan: Property must be located within the corporate limits of the City of Alexandria. Employment-based eligibility only. Restricted to employees of City of Alexandria and 13 named affiliated agencies/courts working 20+ hours/week. No first-time homebuyer requirement in official documents. Max purchase price: brochure (2026) $750,000; city webpage $725,000 (brochure used as authoritative). No credit score minimum, DTI maximum, or citizenship requirement published.

Nililimitahan ng City of Alexandria Employee Homeownership Incentive Program (EHIP) ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 2026 HUD income limits used for tier determination. Tier 1 (<=80% AMI, $15,000): 4-person $132,880. Tier 2 (80-120% AMI, $11,500): 4-person upper bound $199,320. Tier 3 (>120% AMI, $7,500): no published upper income cap in brochure. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. 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 City of Alexandria Employee Homeownership Incentive Program (EHIP) ang presyo ng pagbili sa $750,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, Condo, at Co-op. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Binabanggit ng City of Alexandria Employee Homeownership Incentive Program (EHIP) ang mga edukador sa mga grupong pinaglilingkuran nito. Para lamang din sa mga empleyado ng City of Alexandria; Alexandria City Public Schools; Alexandria Commonwealth Attorney; Alexandria Clerk of Court; Alexandria Sheriff; 18th Circuit Court; 18th General District Court; 18th Juvenile and Domestic Relations District Court; Alexandria Court Services Unit; Alexandria Law Library; Alexandria Registrar of Voters; Alexandria Public Library; Alexandria Health Department ang programa. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng City of Alexandria Employee Homeownership Incentive Program (EHIP) ang mga bibili ng bahay sa Alexandria, Virginia.

Dumadaan sa City of Alexandria Office of Housing ang mga aplikasyon para sa City of Alexandria Employee Homeownership Incentive Program (EHIP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.