Fairfax County Down Payment Loan

Fairfax County Down Payment Loan是面向Fairfax县，Virginia购房者的增值共享贷款，由Fairfax County Department of Housing and Community Development (HCD) / Fairfax County Redevelopment and Housing Authority (FCRHA)管理。 The Fairfax County Down Payment Loan is a 0% interest, deferred-payment loan of up to $50,000 administered by the FCRHA through HCD, designed to help first-time homebuyers at or below 80% AMI purchase a home in Fairfax County. The loan must be paired with a Virginia Housing first mortgage and includes a shared equity repayment component: upon payoff the borrower repays principal plus an equity share. Distinct from the Fairfax County ADU/WDU resale program; cannot be used to purchase ADU or WDU units. Funds are limited and first-come, first-served. 0% interest deferred second mortgage. Up to $50,000 in down payment assistance. No monthly payments. Subordinate/last lien position. Stackable with other grants and loans. May reduce first mortgage principal, pay closing costs/points, or buy out PMI.

Fairfax County Down Payment Loan提供最高$50,000的援助。 该项目可与Other loans or grants (loan takes last position); Virginia Housing programs including DPA grant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Fairfax County Department of Housing and Community Development (HCD) / Fairfax County Redevelopment and Housing Authority (FCRHA)决定。

Fairfax County Down Payment Loan是增值共享贷款，按Fairfax County Department of Housing and Community Development (HCD) / Fairfax County Redevelopment and Housing Authority (FCRHA)设定的条款偿还。 触发还款的情形：Sale, transfer, cash-out refinance, or cessation of primary residence; may be paid off at any time. No monthly payments. Cash-out refinances not allowed; rate-and-term refinance of senior loan permitted. 该援助以Subordinate (last position; deed of trust recorded against property)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。

Fairfax County Down Payment Loan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：All household members must not have had any ownership interest in a home in the last three years. 须参加购房者教育课程，由Virginia Housing Orientation (in-person or self-guided virtual) required; HUD-certified Housing Counselor one-on-one session required before closing.提供。 居住要求：Must purchase property in Fairfax County. Applicant may live or work in Fairfax County. 公民身份或移民身份：Must be a US Citizen or Permanent Resident of the United States (per application declarations). Pilot program; funds limited, first-come first-served. Applicant cannot be under contract when applying. Pre-approval valid 4 months (2-month extension with ratified contract). Cash-out refinances prohibited. Cannot be used for ADU/WDU. assistance_type set to shared_appreciation to reflect the equity-share obligation. No published minimum credit score or DTI; Virginia Housing mortgage standards apply. Distinct from Fairfax County Homeownership Program (ADU/WDU resale).

Fairfax County Down Payment Loan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。 2026 HUD 80% AMI limits by household size: 1-person $91,750; 4-person $131,100; 8-person $173,050. 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。

Fairfax County Down Payment Loan可用于Single Family、Condo和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Fairfax County Down Payment Loan服务于在Fairfax县，Virginia购房的购房者。

Fairfax County Down Payment Loan的申请通过Fairfax County Department of Housing and Community Development (HCD) / Fairfax County Redevelopment and Housing Authority (FCRHA)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。