Come HOME to Portsmouth

Come HOME to Portsmouth是面向Portsmouth，Virginia购房者的延期第二贷款。 Come HOME to Portsmouth is a HUD HOME program administered by HRPDC for the City of Portsmouth, providing forgivable second-lien down payment and closing cost assistance to first-time homebuyers within Portsmouth city limits. Come HOME to Portsmouth provides up to $20,000 in HUD HOME-funded down payment and closing cost assistance to income-eligible first-time homebuyers purchasing in the City of Portsmouth. Assistance is structured as a 0% deferred second-lien forgiven over a 5-year HOME affordability period. 资金来自HUD HOME Investment Partnerships Program。

Come HOME to Portsmouth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, refinance with cash-out, or loss of owner-occupancy during HOME affordability period和pro-rata forgiveness。 该援助以2nd 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。

Come HOME to Portsmouth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 (no ownership in past 3 years); HUD displaced homemaker/single parent exceptions。 关于信用，该项目说明：No published HRPDC minimum; first-mortgage product overlays typically 620-640。 须参加购房者教育课程，由HUD-approved homebuyer education provider; 8 hours pre-purchase counseling required提供。 居住要求：Must occupy as primary residence; property must be in City of Portsmouth。 公民身份或移民身份：U.S. citizen or qualified alien per HUD HOME。 Property must be in the City of Portsmouth. Income up to 80% AMI, with assistance scaling for very-low-income households (down to 30-50% AMI starting around $35,250). Buyer must contribute minimum $1,000 of own funds. Property must meet HUD HQS and HOME after-rehab value limits. Pre-purchase counseling required.

Come HOME to Portsmouth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。 Tiered income limits based on AMI for Virginia Beach-Norfolk-Newport News HUD MSA. Lower tier reflects very-low-income / 30-50% AMI floor (approx $35,250) up to 80% AMI ($106,350 for 8-person). Limits adjusted annually by HUD. 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。

Come HOME to Portsmouth的房价上限如下：HUD HOME max after-rehab value (HUD 203(b) limit for Norfolk-VA Beach area)。 符合条件的房屋类型包括Single-family detached, attached townhomes, condos (must meet HUD HQS)和existing or new construction。 新建房屋符合条件。 预制房屋不符合条件。

Come HOME to Portsmouth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、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

Come HOME to Portsmouth服务于在Portsmouth，Virginia购房的购房者。

Come HOME to Portsmouth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First-come, first-served subject to available HOME funds via HRPDC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。