Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro是面向Staunton，Virginia购房者的可免除贷款，由Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator管理。 A regional first-time homebuyer down payment and closing cost assistance program administered by the Central Shenandoah Planning District Commission using Virginia DHCD HOMEownership (HOME) funds. Offers a 0% interest forgivable loan of up to 10% of purchase price for down payment plus up to $2,500 for closing costs (max total $11,000), forgivable after a 5-year affordability period, to first-time homebuyers at or below 80% AMI in the Central Shenandoah region including the cities of Staunton and Waynesboro. 0% interest, forgivable after 5 years, covers down payment (up to 10%) and closing costs (up to $2,500); stackable with Virginia Housing SPARC 1% rate reduction and other gap programs. 资金来自Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federal HUD HOME funds)。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro提供$1,000至$11,000的援助。 购房者自付部分：Buyer must contribute 1% of purchase price from personal funds if income is 50%-80% AMI, or a minimum of $500 if income is below 50% AMI。 该项目可与VIDA, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA assistance, Fannie Mae/Freddie Mac assistance (CLTV not to exceed 108%; LTV not to exceed 96.5%)结合使用。 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Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator决定。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro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 of title, refinance, or failure to occupy as primary residence during the 5-year affordability period triggers recapture/repayment of HOME funds from available net proceeds。 该援助以Subordinate (silent second / deferred loan recorded via Deed of Trust behind first trust lender)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。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro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：Buyer who has not held primary ownership in a principal residence within the most recent three-year period qualifies as first-time homebuyer。 关于信用，该项目说明：FICO median score of 620; minimum 3 open and current trade lines (alternative credit may be considered)。 须参加购房者教育课程，由HUD-certified Homebuyer Education Course through Virginia Housing, NeighborWorks, or a HUD-certified agency; plus homeownership counseling from a HUD-certified housing counselor提供。 公民身份或移民身份：Must be a U.S. citizen or lawful permanent resident。 Buyer cash contribution (1% of price if 50-80% AMI, or $500 if under 50% AMI); HUD-certified homebuyer education + counseling; 90-day work history; signed purchase contract; property must pass UPCS inspection and be turn-key. NOTE: possible relationship to the existing catalog row 'HOME First-Time Homebuyers Program' (Augusta、Bath、Highland、Rockbridge和Rockingham) which may share the same DHCD program/administrator for the rural counties; this row covers the independent cities of Staunton and Waynesboro. The CSPDC brochure caps assistance at $11,000/5-year forgiveness while governing DHCD guidelines allow up to $40,000 with tiered affordability - brochure figures used. Verify dedupe vs Augusta-region row before publishing.

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro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 may not exceed 80% of Area Median Income. Staunton-Waynesboro, VA MSA 2026 limits: 1p $55,200; 2p $63,050; 3p $70,950; 4p $78,800; 5p $85,150; 6p $91,450; 7p $97,750; 8p $104,050 (effective 05/01/2026). 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。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro将房价上限设为$269,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo、Manufactured和2-4 Unit。 新建房屋符合条件。 预制房屋符合条件。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro服务于在Staunton，Virginia购房的购房者。 目标社区：Cities of Staunton and Waynesboro (program also serves Harrisonburg, Rockbridge County, Buena Vista, Lexington, and other Central Shenandoah localities)。

Central Shenandoah Valley First-Time Homebuyers Program (Down Payment Assistance) - Staunton & Waynesboro的申请通过Central Shenandoah Planning District Commission (CSPDC), HOME Program Administrator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 based on availability of funds; funds reserved only after homebuyer is lender pre-approved and meets DPA eligibility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。