Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program是面向Winchester，Virginia购房者的延期第二贷款，由Blue Ridge Housing Network, Inc.管理。 Blue Ridge Housing Network is the Virginia DHCD-designated regional provider administering the statewide HOMEownership Down Payment & Closing Cost Assistance Program for the northern Shenandoah Valley/Piedmont. It provides gap financing for income-eligible first-time buyers (30%-80% AMI) toward down payment and closing costs, with free pre-purchase counseling and a required certified homebuyer education course. Down payment + closing-cost gap financing (10%-15% of price, up to $2,500 closing costs; DHCD max $40,000). free counseling. certified homebuyer education. 资金来自Virginia DHCD HOMEownership Down Payment Assistance Program (federal HOME funds)。

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program提供最高$40,000的援助。 购房者自付部分：At or above 50% AMI: 1% of sales price from personal funds; at or below 50% AMI: minimum $500 from personal funds. 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Blue Ridge Housing Network, Inc.决定。

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program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：Sale, transfer, refinance, or ceasing to occupy as primary residence during the affordability period. 该援助以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。

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program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：false。 关于信用，该项目说明：Credit score of 640 or higher。 须参加购房者教育课程，由Blue Ridge Housing Network (certified Homebuyer Education Course; free pre-purchase counseling)提供。 居住要求：Home must be in BRHN's DHCD service area (Clarke, Fauquier, Frederick, Page, Shenandoah, Warren; City of Winchester; Town of Luray; Stephens City). Signed purchase offer for a turnkey property at settlement; certified Homebuyer Education Course; personal-funds contribution by AMI tier. Note: BRHN page says 'grant with affordability period' while DHCD structures it as a deferred loan - verify exact terms before publishing.

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program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。 Total household income between 30% and 80% of Area Median Income (AMI). 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。

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program服务于在Winchester，Virginia购房的购房者。 该项目针对特定区域：Higher 15% tier applies within DHCD-approved areas; standard tier is 10%.

Blue Ridge Housing Network HOMEownership Down Payment & Closing Cost Assistance Program的申请通过Blue Ridge Housing Network, Inc.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。