Petersburg RHA Down Payment & Closing Cost Assistance (DPA)

Ang Petersburg RHA Down Payment & Closing Cost Assistance (DPA) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Petersburg, Virginia, na pinangangasiwaan ng Petersburg Redevelopment and Housing Authority (PRHA). PRHA is a DHCD-designated regional administrator of the Virginia HOMEownership Down Payment and Closing Cost Assistance Program (DPA). It provides deferred assistance to lower-income, first-time homebuyers who cannot typically qualify for conventional mortgage products, for the purchase of a primary residence. An income-eligible buyer may receive up to 10% of the purchase price toward the down payment plus up to $2,500 toward closing costs, to a maximum of $40,000. Assistance is structured with a mandatory affordability period and secured by a restricted deed of covenant and promissory note. Up to 10% of purchase price for down payment. Up to $2,500 for closing costs. Maximum assistance $40,000. No monthly payments or interest during affordability period. Serves buyers who cannot qualify for conventional products. Ang pondo ay mula sa HUD HOME funds passed through the Virginia DHCD HOMEownership Down Payment and Closing Cost Assistance Program.

Nag-aalok ang Petersburg RHA Down Payment & Closing Cost Assistance (DPA) ng tulong na hanggang $40,000. Ambag ng bibili ng bahay: Must provide 1% of sales price from personal funds, or a minimum of $500. Maaaring isama ang programa sa Buyer's first mortgage; HUD-certified homebuyer education through Virginia Housing. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Petersburg Redevelopment and Housing Authority (PRHA) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Petersburg RHA Down Payment & Closing Cost Assistance (DPA), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, refinance, or cessation of owner-occupancy as primary residence before the end of the affordability period. Nakatala ang tulong bilang lien sa posisyong Subordinate. 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 Petersburg RHA Down Payment & Closing Cost Assistance (DPA) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified Homebuyer Education class sponsored by Virginia Housing (1-888-643-2696). Requirement sa paninirahan: Property must be located within PRHA's DPA service area. Up to 10% of purchase price toward down payment plus up to $2,500 closing costs (attorney fee, title insurance, taxes). First-time homebuyer; primary residence; contribute 1% of sales price (min $500). Complete HUD-certified Virginia Housing homebuyer education. Income at or below 80% AMI by family size. DTI not to exceed 45%; housing ratio not to exceed 33%. Applicants with cash/liquid assets of 10% or more of sales price are ineligible. Sign homebuyer agreement and execute restricted deed of covenant and promissory note; lien placed for affordability period. Required docs: signed application, mortgage application from lender, monthly household budget. Up to 15% of sales price within DHCD-approved areas. PRHA DPA contact: Latysha Carpenter, ext. 136. Application packet effective 05-15-24.

Nililimitahan ng Petersburg RHA Down Payment & Closing Cost Assistance (DPA) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income at or below 80% AMI by household size (Richmond MSA): 1p $61,780; 2p $70,600; 3p $79,450; 4p $88,250; 5p $95,350; 6p $102,400; 7p $109,450; 8p $116,500. 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.

Ganito nililimitahan ng Petersburg RHA Down Payment & Closing Cost Assistance (DPA) ang presyo ng pagbili: Initial purchase price or after-rehab value cannot exceed 95% of area median purchase price for single-family housing per HUD (HOME homeownership sales price limits). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Petersburg RHA Down Payment & Closing Cost Assistance (DPA) ang mga bibili ng bahay sa Petersburg, Virginia. Tinutukoy ng programa ang mga partikular na lugar: Serves Chesterfield, Petersburg, Colonial Heights, Dinwiddie, Hopewell, Prince George, Emporia, Greensville, Sussex and Surry; up to 15% of sales price available within DHCD-approved targeted areas.

Dumadaan sa Petersburg Redevelopment and Housing Authority (PRHA) ang mga aplikasyon para sa Petersburg RHA Down Payment & Closing Cost Assistance (DPA), 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.