Down Payment & Closing Cost Loan Program

Down Payment & Closing Cost Loan Program是面向Charlottesville，Virginia购房者的延期第二贷款，由Piedmont Housing Alliance管理。 Piedmont Housing Alliance administers funds loaned for down payment and closing costs to first-time homebuyers in the Charlottesville region. Assistance is a deferred-payment subordinate loan with no required monthly payments; repayment is triggered only on sale, refinance, or moving out. Most funds come from outside sources, each with its own eligibility and terms. Households generally must be below 80% AMI, first-time buyers, 620+ credit, contribute at least 1% of their own money, and hold no more than 10% of purchase price in liquid assets. Achieve homeownership without saving a full down payment. No mandatory monthly payments. Repayment only on sale, refinance, or move-out. Some (Virginia HOME) funds are forgivable over time. 资金来自Multiple: federal, state, local government, nonprofit/for-profit sources incl. Commonwealth of Virginia HOME funds; each source has its own guidelines.

Down Payment & Closing Cost Loan Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due on sale, refinance of the first mortgage, or moving out; no required monthly payments. Voluntary payments allowed. 该援助以Subordinate (second/junior 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 & Closing Cost Loan Program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 = not owned real estate in over 3 years. 关于信用，该项目说明：620+ required (lender or PHA tri-merge soft-pull for $25). 须参加购房者教育课程，由Virginia Housing Homebuyer Class certificate of completion required提供。 Assistance amount, min/max, forgiveness years, max DTI, household-size cap, and per-fund interest rates are not published (vary by fund source, awarded by need) and left blank rather than guessed. Liquid-asset cap = 10% of purchase price (not a fixed dollar). SPARC is a separate Virginia Housing 1.00% rate-reduction program PHA combines with local/state DPA funds. Confirmed active: page modified May 2026; 2026 AMI charts effective May 1, 2026.

Down Payment & Closing Cost Loan Program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。 Household income generally below 80% AMI; three income-limit guidelines apply by fund source. 4-person 80% AMI for Charlottesville VA HUD FMR Area = $106,800 (eff. May 1, 2026). Different limits in Louisa County and other jurisdictions. 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 & Closing Cost Loan Program可用于Single Family、Modular和Manufactured。 新建房屋不符合条件。 预制房屋符合条件。

Down Payment & Closing Cost Loan Program服务于在Charlottesville，Virginia购房的购房者。

Down Payment & Closing Cost Loan Program的申请通过Piedmont Housing Alliance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 once a ratified contract and all documents are received; fund balances change daily and assistance is not guaranteed until reserved.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。