Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance是面向Gate City，Virginia购房者的延期第二贷款，由Appalachian Community Action & Development Agency, Inc. (AppCAA) - regional DPA provider for VA DHCD管理。 AppCAA is the Virginia DHCD HOMEownership DPA regional administrator for Lee, Scott, Wise counties and the City of Norton. It offers DHCD down payment assistance of up to 15% of the home cost for qualified first-time buyers, paired with Virginia Housing's SPARC 1% rate reduction and the VIDA savings match. AppCAA also provides free HUD-certified housing counseling and 502 Direct loan packaging. Up to 15% of home cost in down payment assistance. 0% deferred, forgiven after affordability period. Stackable with SPARC (-1% rate) and VIDA ($10,000 match). Free HUD housing counseling with credit/collections paydown support. 资金来自HUD HOME funds via Virginia DHCD HOMEownership DPA program; Virginia Housing SPARC; VIDA。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance提供$1,000至$40,000的援助。 该项目要求购房者自付1% of sales price if income 50-80% AMI; $500 if under 50% AMI. 金额是该项目公布的上限，并非报价——具体每人的援助金额由Appalachian Community Action & Development Agency, Inc. (AppCAA) - regional DPA provider for VA DHCD决定。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance在10年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, or loss of owner-occupancy during affordability period; HOME investment recaptured from net proceeds. 该援助以Second (silent/deferred deed of trust)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。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：No primary ownership in most recent 3 years counts as first-time. 关于信用，该项目说明：Median FICO 620 per governing DHCD guidelines. 须参加购房者教育课程，由AppCAA is a HUD-certified housing counseling agency providing pre-purchase counseling + credit-improvement; HUD-certified homebuyer education required.提供。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance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 or below 80% AMI by HUD household size/locality. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance的房价上限如下：Home value <=95% of area median sales price (HUD 203(b) limits). 符合条件的房屋类型包括Single Family、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance服务于在Gate City，Virginia购房的购房者。 该项目针对特定区域：Lee, Scott, Wise are DHCD-designated high-cost/chronically depressed localities eligible for up to 15% of sales price.

Appalachian Community Action & Development Agency (AppCAA) - HOMEownership Down Payment Assistance的申请通过Appalachian Community Action & Development Agency, Inc. (AppCAA) - regional DPA provider for VA DHCD办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served预留。 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。