Call Chesapeake HOME Program

Call Chesapeake HOME Program是面向Chesapeake，Virginia购房者的延期第二贷款。 Call Chesapeake HOME is a federally funded HUD HOME program administered by HRPDC for the City of Chesapeake, providing forgivable second-lien down payment and closing cost assistance to income-eligible first-time homebuyers purchasing within Chesapeake city limits. The Call Chesapeake HOME Program provides up to $20,000 in HUD HOME-funded down payment and closing cost assistance to first-time homebuyers purchasing in the City of Chesapeake. Assistance is structured as a 0% interest deferred-payment second lien that is forgiven over a 5-year (typically) HOME affordability period. Funds may also help reduce the first-mortgage principal to achieve affordable monthly payments. 资金来自HUD HOME Investment Partnerships Program (CHDO/PJ funds via HRPDC)。

Call Chesapeake HOME Program在5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, refinance with cash-out, or loss of owner-occupancy during the HOME affordability period和loan is forgiven on a pro-rata basis over the affordability period。 该援助以2nd Lien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。

Call Chesapeake HOME 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：First-time homebuyer (no ownership interest in a principal residence in past 3 years); displaced homemakers and single parents may qualify for exception。 关于信用，该项目说明：No published HRPDC minimum; lender/first-mortgage product credit overlays apply (typically 620-640)。 须参加购房者教育课程，由HUD-approved homebuyer education provider; pre-purchase counseling required (8 hours)提供。 居住要求：Must occupy as primary residence; property must be in City of Chesapeake。 公民身份或移民身份：U.S. citizen or qualified alien per HUD HOME rules。 Property must be located within the City of Chesapeake. Borrower household income may not exceed 80% AMI for the Virginia Beach-Norfolk-Newport News HUD MSA, adjusted for family size. Buyer must contribute a minimum of $1,000 of own funds to the transaction. Maximum HOME purchase price limit applies (HUD 203(b) limit). Property must remain owner-occupied during the affordability period. Pre-purchase homebuyer education and one-on-one counseling required.

Call Chesapeake HOME 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。 Income limits are based on 80% Area Median Income (AMI) for the Virginia Beach-Norfolk-Newport News, VA-NC HUD MSA, adjusted for household size. 2024 limits range approximately from $56,400 (1-person) to $106,350 (8-person). Limits are updated annually by HUD. 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。

Call Chesapeake HOME Program的房价上限如下：HUD HOME maximum after-rehab value applies (HUD 203(b) single-family mortgage limit for the Norfolk-Virginia Beach area, generally $300,000+ for existing and slightly higher for new construction)。 符合条件的房屋类型包括Single-family detached, attached townhomes, condominiums (must meet HUD HQS)和existing or new construction。 新建房屋符合条件。 预制房屋不符合条件。

Call Chesapeake HOME Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Call Chesapeake HOME Program服务于在Chesapeake，Virginia购房的购房者。

Call Chesapeake HOME Program的申请通过管理该项目的机构办理，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 subject to available HOME funds; application coordinated through HRPDC and participating lender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。