City of Harrisonburg SPARC Program

City of Harrisonburg SPARC Program是面向Harrisonburg，Virginia购房者的首付援助，由City of Harrisonburg (Housing Coordinator) via Virginia Housing SPARC allocation管理。 Through Virginia Housing's SPARC program, the City of Harrisonburg's allocation allows approved lenders to provide a 1% mortgage interest rate reduction to eligible first-time homebuyers purchasing within the City of Harrisonburg. The reduction increases purchasing power and can save buyers tens of thousands of dollars over the life of the loan. Buyers must be income-eligible under current Virginia Housing limits and complete homebuyer education. 1% mortgage interest rate reduction. Increased purchasing power. Significant lifetime interest savings. Free homebuyer education and counseling. 资金来自Virginia Housing Sponsoring Partnerships and Revitalizing Communities (SPARC) allocation to the City of Harrisonburg。

City of Harrisonburg SPARC Program是首付援助，按City of Harrisonburg (Housing Coordinator) via Virginia Housing SPARC allocation设定的条款偿还。 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 Harrisonburg SPARC Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Free homebuyer education and homeownership counseling via Virginia Housing-approved counselors提供。 居住要求：Property must be located in the City of Harrisonburg。 Buyers must use a Virginia Housing-approved lender; City must approve and execute each SPARC reservation form before the lender reserves funds; required documents include Virginia Housing Certificate of Counseling, SPARC Lock Reservation Form, ratified sales contract, and Uniform Residential Loan Application. Program effective 11/1/24, revised 2/28/25.

City of Harrisonburg SPARC Program的收入限制如下：Virginia Housing limits: Standard/Bond Programs $100,000 (1-2 people) / $115,000 (3+ people); Down Payment/Closing Cost Assistance Grant Programs $80,000 (1-2 people) / $92,000 (3+ people)。 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 Harrisonburg SPARC Program将房价上限设为$450,000。 新建房屋符合条件。

City of Harrisonburg SPARC Program服务于在Harrisonburg，Virginia购房的购房者。 该项目针对特定区域：City of Harrisonburg limits only。

City of Harrisonburg SPARC Program的申请通过City of Harrisonburg (Housing Coordinator) via Virginia Housing SPARC allocation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Lender reserves SPARC funds after City approves and executes each reservation form; funds limited, first-come, first-served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。