Closing Cost Assistance Grant

Closing Cost Assistance Grant是面向Statewide，Virginia购房者的补助金。 Virginia Housing CCA Grant - 2% true grant of sales price for closing costs only. Pairs with Virginia Housing FHA, VA, or USDA-RD first mortgage. No repayment, no lien. 620 FICO. Statewide. Virginia Housing's Closing Cost Assistance (CCA) Grant provides a 2% grant of the home's sales price (or appraised value, whichever is less) to help cover closing costs on government-insured first mortgages. Pairs ONLY with a Virginia Housing FHA, VA, or USDA-RD 30-year fixed first mortgage. Funds may be used for closing costs and prepaid items - NOT down payment. The 2% is a TRUE grant (no repayment, no recapture, no lien). Income limits up to $90,000-$174,000 depending on county and household size (per Virginia Housing combined income/sales-price limits). Sales price limits $500,000 statewide low-cost / $800,000 in highest-cost NoVA jurisdictions. 620 minimum FICO. 45% max DTI (up to 50% with AUS approval). Homebuyer education required (Virginia Housing free online course or in-person class). 资金来自State和Bond。

Closing Cost Assistance Grant按项目规定，提供相当于房价2%的援助。 购房者自付部分：No mandatory borrower minimum contribution from Virginia Housing CCA Grant; first-mortgage agency overlays may impose minimum (e.g., FHA 3.5% down). 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Closing Cost Assistance Grant属于补助金，因此无需偿还。 触发还款的情形：TRUE GRANT - no repayment required. No lien recorded. No forgiveness schedule (immediate forgiveness at closing). No recapture on the grant itself (though the underlying MRB first mortgage may trigger IRS Section 143 9-year recapture). 该援助以No Lien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。

Closing Cost Assistance Grant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：First-time homebuyer requirement waived in federally designated targeted census tracts and for qualifying veterans under IRS Section 143(d)(2)(B). 关于信用，该项目说明：620 minimum FICO across all eligible first-mortgage products (FHA, VA, USDA-RD). Manual UW per agency overlays; AUS approval preferred. 须参加购房者教育课程，由Virginia Housing free homebuyer education (online via virginiahousing.com or in-person via Virginia Housing-approved counseling agencies including HUD-approved housing counseling agencies, Framework, eHome America). Required prior to closing.提供。 居住要求：Property must be located in Virginia and be the borrower's primary residence. Statewide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer required (no ownership of a primary residence in the past 3 years); waived in federally targeted census tracts and for qualifying veterans (federal MRB qualified-veteran exception under IRS Section 143(d)(2)(B)). Owner-occupied primary residence. 620 minimum FICO. Maximum 45% DTI (up to 50% with AUS approval and compensating factors). Income at or below Virginia Housing combined limits ($90,000 1-2 person low-cost to $174,000 3+ person high-cost NoVA). Sales price within Virginia Housing limits ($500,000 statewide low-cost to $800,000 highest-cost NoVA). Homebuyer education required (Virginia Housing free online or in-person class). Must use a Virginia Housing-approved participating lender. Must be paired with a Virginia Housing FHA, VA, or USDA-RD first mortgage (NOT eligible with conventional).

Closing Cost Assistance Grant将家庭收入限制在$174,000。 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。

Closing Cost Assistance Grant将房价上限设为$800,000。 符合条件的房屋类型包括Single-family detached, attached townhouse, condominium (project-approved), 2-4 unit owner-occupied (per FHA/VA/USDA overlays). PUD eligible. 新建房屋符合条件。 预制房屋符合条件。

Closing Cost Assistance Grant在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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。

Closing Cost Assistance Grant服务于在Statewide，Virginia购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS Section 143) where MRB FTHB requirement is waived. High-cost NoVA jurisdictions (Arlington, Fairfax, Loudoun, Prince William, Alexandria, Falls Church, Fairfax City, Manassas, Manassas Park) have higher income / sales-price limits. Verify by county.

Closing Cost Assistance Grant的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved through Virginia Housing Lender Online portal at time of rate lock by approved participating lender. Daily rate sheet posted at virginiahousing.com/partners/lenders/rates.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。