York County HOME Down Payment and Closing Cost Program

Ang York County HOME Down Payment and Closing Cost Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Yorktown, Virginia, na pinangangasiwaan ng York County Housing & Neighborhood Revitalization Division. The HOME Down Payment and Closing Cost Program, administered by York County's Housing & Neighborhood Revitalization Division using federal HOME Investment Partnerships funds, provides up to $10,000 in down payment and/or closing cost assistance to qualified first-time homebuyers purchasing a new or existing home in York County. Assistance is a forgivable loan secured by a promissory note that is cancelled after five years of continued ownership. Buyers must contribute 1% of the sales price, complete a Virginia Housing-approved homebuyer education class, and have household income at or below 80% AMI. Up to $10,000 toward down payment and/or closing costs as a 5-year forgivable loan with no monthly payments and no prepayment penalty. Ang pondo ay mula sa Federal HOME Investment Partnerships Program funds administered by York County.

Nag-aalok ang York County HOME Down Payment and Closing Cost Program ng tulong na hanggang $10,000. Ambag ng bibili ng bahay: Buyer contribution of 1% of the sales price required. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang York County Housing & Neighborhood Revitalization Division ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang York County HOME Down Payment and Closing Cost Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Note is in default if the homeowner sells, transfers, leases, deeds, or conveys all or part of the property or any interest within five (5) years from the date of closing; if no default occurs within five years, the note is cancelled and no repayment is owed. 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 York County HOME Down Payment and Closing Cost 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": Must not have owned a home within the previous three (3) years. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Virginia Housing (VHDA) approved First-Time Homebuyer Education Class - Certificate of completion required. Requirement sa paninirahan: Property being purchased must be located in York County, Virginia. Program manager: Abbitt Woodall, Housing and Neighborhood Revitalization Manager. Distinct county-administered program separate from the regional Hampton Roads Loan Fund Partnership. The published income-limit table's HUD AMI year is not stated on the page (figures correspond to an earlier FY), reported as-published without asserting a year.

Nililimitahan ng York County HOME Down Payment and Closing Cost 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 may not exceed 80% of the area median income limit based on household size. Published limits: 1p $55,450; 2p $63,400; 3p $71,300; 4p $79,200; 5p $85,550; 6p $91,900; 7p $98,250; 8p $104,550. 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 York County HOME Down Payment and Closing Cost Program para sa Single Family. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng York County HOME Down Payment and Closing Cost Program ang mga bibili ng bahay sa Yorktown, Virginia.

Dumadaan sa York County Housing & Neighborhood Revitalization Division ang mga aplikasyon para sa York County HOME Down Payment and Closing Cost Program, 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.