City of Falls Church Affordable Homeownership Program (CFCAHP)

Ang City of Falls Church Affordable Homeownership Program (CFCAHP) ay isang shared-appreciation loan para sa mga bibili ng bahay sa Falls Church, Virginia, na pinangangasiwaan ng The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). The City of Falls Church Affordable Homeownership Program (CFCAHP) helps income-qualified first-time homebuyers purchase homes in the City of Falls Church at a reduced price. NHPF acquires market-rate homes, rehabs them, and resells them at a written-down price (up to ~$170,000 below market) to buyers earning 50%-120% of AMI. The price reduction (subsidy) is sized between $50,000 and $150,000 based on AMI, and is a forgivable grant subject to a 99-year affordability covenant with shared-appreciation recapture on resale. Below-market purchase price (subsidy $50,000-$150,000); access to Virginia Housing DPA/closing-cost grants and SPARC; energy-efficiency rehab; long-term affordability protections. Ang pondo ay mula sa Virginia Housing REACH program grant + City of Falls Church funds.

Nag-aalok ang City of Falls Church Affordable Homeownership Program (CFCAHP) ng tulong mula $50,000 hanggang $150,000. Ambag ng bibili ng bahay: Applicant must have a minimum of 1% of the sales price documented and available toward closing costs/prepaid items or reserves. Maaaring isama ang programa sa Virginia Housing SPARC, Down Payment Assistance Grant, Closing Cost Assistance Grant, Plus Second Mortgage; DHCD HOMEownership DPA; Virginia Individual Development Accounts (VIDA). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS) ang nagpapasya sa anumang indibidwal na award.

Ang City of Falls Church Affordable Homeownership Program (CFCAHP) ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS). Kailangang bayaran kapag may Upon resale/transfer, refinance, condemnation, casualty, or default of the Affordability Covenant the City is reimbursed its original Subsidy Value plus 25% of net proceeds; the subsidy does not have to be repaid so long as the buyer remains owner-occupant in compliance with the Covenant. Nakatala ang tulong bilang lien sa posisyong second. 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 Falls Church Affordable Homeownership Program (CFCAHP) 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": No household member may have owned residential property in the last 3 years; a divorced applicant who owned/resided in a home with a former spouse is treated as a first-time homebuyer. Tungkol sa credit, sinasabi ng programa: Minimum middle credit score of 620; applicants must also qualify for a Virginia Housing loan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Virginia Housing Homeownership Education Program (free, English and Spanish, online and in-person); certificate required prior to closing. Requirement sa paninirahan: Not required, but priority given to those who live/work in or for the City of Falls Church. 99-year Declaration of Affordability Covenants (use/refinance/resale restrictions + City purchase option); annual owner-occupancy affidavit; housing cost (incl. HOA/condo fees, taxes, insurance) may not exceed 40% of gross annual income for subsidy offer; co-signers outside household prohibited; household liquid assets cannot exceed 50% of the sales price (retirement excluded); 5 calendar days to execute sales contract and 45 days to close after referral.

Nililimitahan ng City of Falls Church Affordable Homeownership Program (CFCAHP) ang kita ng sambahayan sa $163,900. 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.

Magagamit ang City of Falls Church Affordable Homeownership Program (CFCAHP) para sa Single Family, Townhouse, at Condo. Hindi kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Binabanggit ng City of Falls Church Affordable Homeownership Program (CFCAHP) ang mga bibili ng bahay na may kapansanan sa mga grupong pinaglilingkuran nito. 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 Falls Church Affordable Homeownership Program (CFCAHP) ang mga bibili ng bahay sa Falls Church, Virginia. Tinutukoy ng programa ang mga partikular na lugar: Entire City of Falls Church (2.2 sq mi).

Dumadaan sa The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS) ang mga aplikasyon para sa City of Falls Church Affordable Homeownership Program (CFCAHP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Prescreening application then Certified Buyers waitlist ranked by priority criteria, then first-come first-served; buyers matched to properties as acquired. 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.