City of Alexandria Employee Homeownership Incentive Program (EHIP)

City of Alexandria Employee Homeownership Incentive Program (EHIP)是面向Alexandria，Virginia购房者的延期第二贷款，由City of Alexandria Office of Housing管理。 The Employee Homeownership Incentive Program (EHIP) provides an interest-free, deferred-payment loan of $7,500 to $15,000 to eligible employees of the City of Alexandria and affiliated government agencies, to assist with down payment, closing costs, or other settlement costs on a home purchase within the City of Alexandria. Loan amount is determined by a three-tier household AMI structure, with prorated amounts for part-time employees. The loan is secured by a deed of trust, deferred with no monthly payments, and becomes repayable upon sale, transfer, or loss of primary residence status. 0% interest deferred loan. Tiered assistance $7,500-$15,000 based on AMI. No monthly payments required. Stackable with FHAP and SPARC. Covers down payment, closing costs, and other settlement costs.

City of Alexandria Employee Homeownership Incentive Program (EHIP)提供$7,500至$15,000的援助。 援助档次：3 tiers by AMI: $15,000 for households <=80% AMI; $11,500 for households >80% to <=120% AMI; $7,500 for households >120% AMI (no upper income cap stated; part-time employees receive prorated amounts)。 该项目可与City of Alexandria Flexible Homeownership Assistance Program (FHAP); Virginia Housing SPARC program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City of Alexandria Office of Housing决定。

City of Alexandria Employee Homeownership Incentive Program (EHIP)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, or cessation of primary residence occupancy。 该援助以Subordinate (secured/recorded against subject property)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。

City of Alexandria Employee Homeownership Incentive Program (EHIP)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Virginia Housing homebuyer education certificate required (available online). If combining with FHAP, must also complete City homebuyer education curriculum before submitting an offer.提供。 居住要求：Property must be located within the corporate limits of the City of Alexandria. Employment-based eligibility only. Restricted to employees of City of Alexandria and 13 named affiliated agencies/courts working 20+ hours/week. No first-time homebuyer requirement in official documents. Max purchase price: brochure (2026) $750,000; city webpage $725,000 (brochure used as authoritative). No credit score minimum, DTI maximum, or citizenship requirement published.

City of Alexandria Employee Homeownership Incentive Program (EHIP)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 2026 HUD income limits used for tier determination. Tier 1 (<=80% AMI, $15,000): 4-person $132,880. Tier 2 (80-120% AMI, $11,500): 4-person upper bound $199,320. Tier 3 (>120% AMI, $7,500): no published upper income cap in brochure. 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。

City of Alexandria Employee Homeownership Incentive Program (EHIP)将房价上限设为$750,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo和Co-op。 新建房屋符合条件。 预制房屋不符合条件。

City of Alexandria Employee Homeownership Incentive Program (EHIP)在其服务群体中提到了教育工作者。 该项目还仅限City of Alexandria; Alexandria City Public Schools; Alexandria Commonwealth Attorney; Alexandria Clerk of Court; Alexandria Sheriff; 18th Circuit Court; 18th General District Court; 18th Juvenile and Domestic Relations District Court; Alexandria Court Services Unit; Alexandria Law Library; Alexandria Registrar of Voters; Alexandria Public Library; Alexandria Health Department的员工。 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。

City of Alexandria Employee Homeownership Incentive Program (EHIP)服务于在Alexandria，Virginia购房的购房者。

City of Alexandria Employee Homeownership Incentive Program (EHIP)的申请通过City of Alexandria Office of Housing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。