Albemarle County Homebuyer Assistance Program (ACHAP)

Albemarle County Homebuyer Assistance Program (ACHAP)是面向Charlottesville，Virginia购房者的延期第二贷款，由Albemarle County Office of Housing; administered by Piedmont Housing Alliance管理。 The Albemarle County Homebuyer Assistance Program (ACHAP) provides zero-interest, deferred-payment down payment assistance loans to eligible first-time homebuyers purchasing in Albemarle County. The program is administered by Piedmont Housing Alliance, which runs a broader down payment loan program for households at/below 80% AMI and layers local/state funding (including SPARC's 1% rate reduction). Applicants complete PHA's homebuyer counseling and the 'DPA with PHA' class. Zero-interest deferred-payment DPA loan. No monthly payments (deferred). First-time buyers up to 80% AMI. Combinable with SPARC and other PHA funds. Counseling and education provided. 资金来自Local and state-administered down payment funds administered by Piedmont Housing Alliance。

Albemarle County Homebuyer Assistance Program (ACHAP)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred-payment loan repayable on sale/transfer or per program terms (deferred until a triggering event)。 该援助以Subordinate (second)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Albemarle County Homebuyer Assistance Program (ACHAP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Piedmont Housing Alliance 'DPA with PHA' class and counseling; Virginia Housing homebuyer education提供。 居住要求：Home must be purchased in Albemarle County。 Verified on Albemarle County Office of Housing and Piedmont Housing Alliance pages plus the 2026 ACHAP AMI limits PDF. Core structure (0%, deferred, first-time, Albemarle County, 80% AMI) is primary-sourced.

Albemarle County Homebuyer Assistance Program (ACHAP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at/below 80% AMI. ACHAP-specific 2026 limits (Charlottesville HUD area) by size: 1=$59,950; 2=$68,500; 3=$77,050; 4=$85,600; 5=$92,450; 6=$99,300; 7=$106,150; 8=$113,000. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Albemarle County Homebuyer Assistance Program (ACHAP)服务于在Charlottesville，Virginia购房的购房者。

Albemarle County Homebuyer Assistance Program (ACHAP)的申请通过Albemarle County Office of Housing; administered by Piedmont Housing Alliance办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。