City of Falls Church Affordable Homeownership Program (CFCAHP)

City of Falls Church Affordable Homeownership Program (CFCAHP)是面向Falls Church，Virginia购房者的增值共享贷款，由The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS)管理。 The City of Falls Church Affordable Homeownership Program (CFCAHP) helps income-qualified first-time homebuyers purchase homes in the City of Falls Church at a reduced price. NHPF acquires market-rate homes, rehabs them, and resells them at a written-down price (up to ~$170,000 below market) to buyers earning 50%-120% of AMI. The price reduction (subsidy) is sized between $50,000 and $150,000 based on AMI, and is a forgivable grant subject to a 99-year affordability covenant with shared-appreciation recapture on resale. Below-market purchase price (subsidy $50,000-$150,000); access to Virginia Housing DPA/closing-cost grants and SPARC; energy-efficiency rehab; long-term affordability protections. 资金来自Virginia Housing REACH program grant + City of Falls Church funds。

City of Falls Church Affordable Homeownership Program (CFCAHP)提供$50,000至$150,000的援助。 购房者自付部分：Applicant must have a minimum of 1% of the sales price documented and available toward closing costs/prepaid items or reserves。 该项目可与Virginia Housing SPARC, Down Payment Assistance Grant, Closing Cost Assistance Grant, Plus Second Mortgage; DHCD HOMEownership DPA; Virginia Individual Development Accounts (VIDA)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The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS)决定。

City of Falls Church Affordable Homeownership Program (CFCAHP)是增值共享贷款，按The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS)设定的条款偿还。 触发还款的情形：Upon resale/transfer, refinance, condemnation, casualty, or default of the Affordability Covenant the City is reimbursed its original Subsidy Value plus 25% of net proceeds; the subsidy does not have to be repaid so long as the buyer remains owner-occupant in compliance with the Covenant。 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。

City of Falls Church Affordable Homeownership Program (CFCAHP)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 household member may have owned residential property in the last 3 years; a divorced applicant who owned/resided in a home with a former spouse is treated as a first-time homebuyer。 关于信用，该项目说明：Minimum middle credit score of 620; applicants must also qualify for a Virginia Housing loan。 须参加购房者教育课程，由Virginia Housing Homeownership Education Program (free, English and Spanish, online and in-person); certificate required prior to closing提供。 居住要求：Not required, but priority given to those who live/work in or for the City of Falls Church。 99-year Declaration of Affordability Covenants (use/refinance/resale restrictions + City purchase option); annual owner-occupancy affidavit; housing cost (incl. HOA/condo fees, taxes, insurance) may not exceed 40% of gross annual income for subsidy offer; co-signers outside household prohibited; household liquid assets cannot exceed 50% of the sales price (retirement excluded); 5 calendar days to execute sales contract and 45 days to close after referral.

City of Falls Church Affordable Homeownership Program (CFCAHP)将家庭收入限制在$163,900。 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。

City of Falls Church Affordable Homeownership Program (CFCAHP)可用于Single Family、Townhouse和Condo。 新建房屋不符合条件。 预制房屋不符合条件。

City of Falls Church Affordable Homeownership Program (CFCAHP)在其服务群体中提到了残障购房者。 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。

City of Falls Church Affordable Homeownership Program (CFCAHP)服务于在Falls Church，Virginia购房的购房者。 该项目针对特定区域：Entire City of Falls Church (2.2 sq mi)。

City of Falls Church Affordable Homeownership Program (CFCAHP)的申请通过The NHP Foundation (NHPF) and City of Falls Church Housing & Human Services Department (HHS)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Prescreening application then Certified Buyers waitlist ranked by priority criteria, then first-come first-served; buyers matched to properties as acquired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。