City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)是面向Newport News，Virginia购房者的延期第二贷款，由Newport News Redevelopment and Housing Authority (NNRHA), for the City of Newport News管理。 NNRHA administers the City of Newport News' federal HOME-funded First-Time Homebuyer Assistance Program. The City-Wide program provides up to $25,000 in down payment and closing-cost assistance as a no-interest deferred loan incrementally forgiven over the HOME affordability period, with recapture from net proceeds if the home is sold or ceases to be the buyer's principal residence. NNRHA is also a SPARC sponsor, lowering the rate on eligible Virginia Housing mortgages by 1% for qualifying first-time buyers. Up to $25,000 in DP/closing-cost assistance. 0% interest deferred loan. Incrementally forgiven over affordability period. Recapture capped at net proceeds. SPARC 1% rate reduction option. 资金来自Federal HUD HOME Investment Partnerships funds via City of Newport News。

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)提供最高$25,000的援助。 购房者自付部分：Buyers contribute 1% of their own funds。 该项目可与Virginia Housing first mortgage; SPARC 1% interest-rate reduction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Newport News Redevelopment and Housing Authority (NNRHA), for the City of Newport News决定。

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)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, foreclosure, non-qualifying refinance, or ceasing principal-residence use during the affordability period; pro-rata recapture from net proceeds. Standard DPA <=$10,000 forgiven $2,000/yr over 5 yrs. 该援助以Subordinate (soft/deferred second behind first mortgage)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 Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)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：Must certify no real-property ownership in the last 3 years。 须参加购房者教育课程，由Virginia Housing homebuyer education or a HUD-approved housing counseling agency (SPARC requires pre-counseling certificate)提供。 居住要求：Home within the municipal limits of Newport News; principal residence during affordability period。 公民身份或移民身份：All household members must have a valid Social Security number。 NNRHA will NOT accept DPA applications when the buyer already has a ratified purchase agreement. Complete packet (first-mortgage docs + homebuyer education certificate) required; ~10 business days review; 45-day closing recommended. Cash assets (excl. retirement) may not exceed $25,000. Madison Heights Redevelopment area new construction may qualify for a separate deferred loan up to $40,000 (first $10,000 forgivable, remainder 0% amortized 20 yrs from year 6) - a distinct tier.

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)将家庭收入限制在$86,150。 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 Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)可用于Single Family、New Construction和Existing Home。 新建房屋符合条件。

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)服务于在Newport News，Virginia购房的购房者。

City of Newport News First-Time Homebuyer Assistance Program (City-Wide HOME DPA)的申请通过Newport News Redevelopment and Housing Authority (NNRHA), for the City of Newport News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。