City of Fredericksburg Direct Homeownership Assistance Program

City of Fredericksburg Direct Homeownership Assistance Program是面向Fredericksburg，Virginia购房者的可免除贷款，由City of Fredericksburg Office of Planning and Community Development管理。 Funded through the City's CDBG allocation, the Direct Homeownership Assistance Program helps low- and moderate-income City residents (at/below 80% AMI) buy a primary residence within Fredericksburg city limits. It provides a secured forgivable loan of $3,000-$10,000 (tiered by income) toward closing costs and/or up to 50% of down payment costs. The loan is fully forgiven after five years; if sold sooner, the assistance plus 10% interest and a share of appreciation must be repaid. Up to $10,000 / 50% of down payment. Closing cost assistance. Fully forgiven after 5 years. 0% interest if held 5 years. Refinance assistance also available. 资金来自Community Development Block Grant (CDBG)。

City of Fredericksburg Direct Homeownership Assistance Program提供$3,000至$10,000的援助。 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 Fredericksburg Office of Planning and Community Development决定。

City of Fredericksburg Direct Homeownership Assistance 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：If sold within 5 years, assistance plus 10% interest plus proportionate share of appreciation due; fully forgiven if owned past 5 years。 该援助以Secured by mortgage lien and promissory note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 Fredericksburg Direct Homeownership Assistance Program面向将房屋作为主要住所自住的购房者。 居住要求：City resident buying a primary residence within the City of Fredericksburg。 Income tiers set loan caps: $10,000 (0-70% of threshold), $7,000 (70-80%), $5,000 (80-90%), $3,000 (90-100%), threshold = 80% AMI. Not first-time restricted; also offers refinance assistance. Program design PDF last amended 2009 but program remains listed active; reviewer should confirm current caps with the City. 4-person 80% AMI dollar figure imputed from regional HUD area.

City of Fredericksburg Direct Homeownership 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 at/below 80% AMI (HUD Section 8 limits, 24 CFR 5.609) by household size. Fredericksburg is in the Washington-Arlington-Alexandria HUD area (4-person 80% ~ $106,800 for 2026). 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 Fredericksburg Direct Homeownership Assistance Program的房价上限如下：No stated max price; assistance limited to tiered loan caps。

City of Fredericksburg Direct Homeownership Assistance Program服务于在Fredericksburg，Virginia购房的购房者。

City of Fredericksburg Direct Homeownership Assistance Program的申请通过City of Fredericksburg Office of Planning and Community Development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 at Office of Planning and Community Development; waitlist as funds allow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。