Down Payment Assistance Grant

Down Payment Assistance Grant是面向Statewide，Virginia购房者的补助金。 Virginia Housing DPA Grant - 2% (FHA) / 2.5% (Conventional) true grant of sales price for down payment. ≤80% AMI required. Pairs with FHA or Conventional No-MI first. 620/640 FICO. Statewide. Virginia Housing's Down Payment Assistance (DPA) Grant provides a 2% (FHA) or 2.5% (Conventional No-MI) grant of the home's sales price (or appraised value, whichever is less) to help cover the down payment for buyers at or below 80% Area Median Income (AMI). Pairs with a Virginia Housing FHA or Conventional No-MI 30-year fixed first mortgage. Funds may be used for down payment - and any leftover may apply to closing costs. The grant is a TRUE grant (no repayment, no recapture, no lien). Targeted to lower-income buyers who need help with the down payment specifically. Income limit at or below 80% AMI (varies by county and household size. ranges from $90,000-$174,000 area-adjusted in highest-cost NoVA, lower elsewhere). Sales price limits $500,000-$800,000. 620 FICO (FHA) / 640 FICO (Conventional). Homebuyer education required. 资金来自State和Bond。

Down Payment Assistance Grant按项目规定，提供相当于房价2.5%的援助。 购房者自付部分：No mandatory borrower minimum contribution from Virginia Housing DPA Grant; can fully cover FHA 3.5% down on lower-cost homes. 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。

Down Payment 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. 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。

Down Payment 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：FTHB waived in federally targeted tracts and for qualifying veterans under IRS Section 143(d)(2)(B). 关于信用，该项目说明：620 minimum FICO with FHA first mortgage; 640 minimum FICO with Conventional No-MI first mortgage. 须参加购房者教育课程，由Virginia Housing free homebuyer education (online or in-person via approved counseling agencies). Required prior to closing.提供。 居住要求：Property in Virginia; primary residence. Statewide. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. First-time homebuyer required (waived in federally targeted census tracts and for qualifying veterans). Owner-occupied primary residence. Income at or below 80% AMI per Virginia Housing limits (varies by county/household size). 620 FICO (FHA) or 640 FICO (Conventional No-MI) minimum. Maximum 45% DTI (up to 50% with AUS approval). Sales price within Virginia Housing limits ($500,000-$800,000). Homebuyer education required. Must use a Virginia Housing-approved participating lender. Must be paired with a Virginia Housing FHA or Conventional No-MI first mortgage. Cannot be combined with CCA Grant or Plus Second Mortgage.

Down Payment Assistance Grant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。 Income limit at or below 80% Area Median Income (AMI) per Virginia Housing combined household income table. AMI thresholds vary by county and household size - verify on Virginia Housing income limits page. Highest-cost NoVA tops out near $174,000 for large households; lower-cost rural counties as low as $50,000-$70,000 for small households. 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。

Down Payment 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 (FHA), 1-unit (Conventional). PUD eligible. 新建房屋符合条件。 预制房屋符合条件。

Down Payment 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。

Down Payment Assistance Grant服务于在Statewide，Virginia购房的购房者。 该项目针对特定区域：Federally targeted census tracts and high-cost NoVA jurisdictions have higher income / sales-price limits. The 80% AMI cap on this product still applies but the AMI base is higher in NoVA.

Down Payment 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.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。