TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program

Ang TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Roanoke, Virginia, na pinangangasiwaan ng Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley. TAP (Total Action for Progress), a Roanoke Valley community action agency, is a Virginia DHCD-designated regional provider of the HOMEownership Down Payment & Closing Cost Assistance Program, funded through HUD HOME. It provides 0%-interest, deferred, forgivable silent-second gap financing to first-time homebuyers at or below 80% AMI — up to 10% of sales price (up to 15% in high-cost areas) plus up to $2,500 closing costs, $40,000 maximum, forgiven after a 5- or 10-year affordability period. As of June 2026, TAP's page states limited funds are available first-come, first-served. 0% interest deferred/forgivable second mortgage. no monthly payments. forgiven after affordability period. up to 10-15% of price plus up to $2,500 closing costs. stackable. free homebuyer education and counseling. Ang pondo ay mula sa Federal HUD HOME funds via Virginia DHCD annual allocation.

Nag-aalok ang TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program ng tulong mula $1,000 hanggang $40,000. Mga award tier: Up to 10% of sales price (standard) or up to 15% in DHCD-designated high-cost/economically depressed localities, plus up to $2,500 closing costs; $40,000 maximum total. Forgiveness term: 5 years for $1,000-$14,999; 10 years for $15,000-$40,000. Ambag ng bibili ng bahay: Income 50%-80% AMI: contribute 1% of sales price from personal funds. Income below 50% AMI: contribute $500. Maaaring isama ang programa sa May be leveraged with VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB, USDA, and other lender/employer/housing-authority programs. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer of title (voluntary or involuntary), loss of owner-occupancy, or loan assumption during the period of affordability. Nakatala ang tulong bilang lien sa posisyong Second (silent second / deferred loan via DHCD HOME Deed of Trust, subordinate to first trust mortgage). 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 TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program 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 primary-residence ownership in the most recent 3 years qualifies as first-time; exceptions for mobile homes titled as personal property and non-occupied inherited/investment property. Tungkol sa credit, sinasabi ng programa: FICO median 620+ with at least 3 open, current trade lines; alternative credit (rent, utilities, retail) with 3+ trades may be considered. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified Homebuyer Education via Virginia Housing, NeighborWorks, or HUD-certified agency; HUD-certified housing counseling required. TAP offers its own counseling and education. Requirement sa paninirahan: Property must be in TAP's service area (Roanoke City, Roanoke County, Botetourt, Craig, Rockbridge, Salem City). Confirmed active and funded — TAP page states limited funds available first-come, first-served; DHCD DPA Local Provider Contact List (rev. March 2026) lists TAP as the Roanoke Valley provider. Distinct from the City of Roanoke's own DPA (50% match up to $4,000). Citizenship requirement, mortgage term, HOA, flood-zone, max acreage not specified.

Nililimitahan ng TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program 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 (HUD). Per TAP program page (2024 HOME limits): 1=$48,800; 2=$55,800; 3=$62,750; 4=$69,700; 5=$75,300; 6=$80,900; 7=$86,450; 8=$92,050. Updated annually by HUD; FY2025 Roanoke MSA HOME 80% 4-person ~$72,500. 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 TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program ang presyo ng pagbili: Home value/sales price may not exceed 95% of area median sales price (HUD 203B limits), set annually by HUD. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, Condo, Modular, Manufactured, at 2-4 Unit. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program ang mga bibili ng bahay sa Roanoke, Virginia. Tinutukoy ng programa ang mga partikular na lugar: DHCD designates certain localities high-cost/chronically economically depressed, where assistance may reach 15% of sales price (in TAP's area: Craig, Rockbridge, Salem).

Dumadaan sa Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley ang mga aplikasyon para sa TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost 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; funds reserved after lender pre-approval and DPA eligibility; processed via DHCD CAMS. 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.