City of Fredericksburg Direct Homeownership Assistance Program

Ang City of Fredericksburg Direct Homeownership Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Fredericksburg, Virginia, na pinangangasiwaan ng City of Fredericksburg Office of Planning and Community Development. Funded through the City's CDBG allocation, the Direct Homeownership Assistance Program helps low- and moderate-income City residents (at/below 80% AMI) buy a primary residence within Fredericksburg city limits. It provides a secured forgivable loan of $3,000-$10,000 (tiered by income) toward closing costs and/or up to 50% of down payment costs. The loan is fully forgiven after five years; if sold sooner, the assistance plus 10% interest and a share of appreciation must be repaid. Up to $10,000 / 50% of down payment. Closing cost assistance. Fully forgiven after 5 years. 0% interest if held 5 years. Refinance assistance also available. Ang pondo ay mula sa Community Development Block Grant (CDBG).

Nag-aalok ang City of Fredericksburg Direct Homeownership Assistance Program ng tulong mula $3,000 hanggang $10,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang City of Fredericksburg Office of Planning and Community Development ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang City of Fredericksburg Direct Homeownership Assistance Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may If sold within 5 years, assistance plus 10% interest plus proportionate share of appreciation due; fully forgiven if owned past 5 years. Nakatala ang tulong bilang lien sa posisyong Secured by mortgage lien and promissory note. 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 Fredericksburg Direct Homeownership Assistance Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Requirement sa paninirahan: City resident buying a primary residence within the City of Fredericksburg. Income tiers set loan caps: $10,000 (0-70% of threshold), $7,000 (70-80%), $5,000 (80-90%), $3,000 (90-100%), threshold = 80% AMI. Not first-time restricted; also offers refinance assistance. Program design PDF last amended 2009 but program remains listed active; reviewer should confirm current caps with the City. 4-person 80% AMI dollar figure imputed from regional HUD area.

Nililimitahan ng City of Fredericksburg Direct Homeownership Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income at/below 80% AMI (HUD Section 8 limits, 24 CFR 5.609) by household size. Fredericksburg is in the Washington-Arlington-Alexandria HUD area (4-person 80% ~ $106,800 for 2026). 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.

Ganito nililimitahan ng City of Fredericksburg Direct Homeownership Assistance Program ang presyo ng pagbili: No stated max price; assistance limited to tiered loan caps.

Pinaglilingkuran ng City of Fredericksburg Direct Homeownership Assistance Program ang mga bibili ng bahay sa Fredericksburg, Virginia.

Dumadaan sa City of Fredericksburg Office of Planning and Community Development ang mga aplikasyon para sa City of Fredericksburg Direct Homeownership Assistance Program, 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 at Office of Planning and Community Development; waitlist as funds allow. 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.