Fairfax County Homeownership Program

Fairfax County Homeownership Program是面向Fairfax县，Virginia购房者的可免除贷款。 The Fairfax County Homeownership Program assists first-time homebuyers through two tracks: the First-Time Homebuyers (FTHB) Program for households up to 70% AMI, and the Workforce Dwelling Unit (WDU) Program for households at 70-100% AMI. The program provides interest-free deferred second mortgages and access to below-market priced Affordable Dwelling Units (ADUs) in market-rate developments throughout Fairfax County. Administered by the Fairfax County Redevelopment and Housing Authority (FCRHA) and the Department of Housing and Community Development. Interest-free deferred second mortgage up to $50,000. Fully forgivable after 15 years of owner-occupancy. Access to below-market-priced Affordable and Workforce Dwelling Units (ADUs/WDUs). Two tracks available: FTHB (up to 70% AMI) and WDU (70-100% AMI). Can be combined with Virginia Housing first mortgage and DPA grant. No monthly payments on second mortgage. 资金来自Local Government。

Fairfax County Homeownership Program提供最高$50,000的援助。 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。

Fairfax County Homeownership Program在15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、Refinance、No Longer Primary和Transfer of Title。 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。

Fairfax County Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 该项目列出的最低信用分数为620。 须参加购房者教育课程，由Any HUD-approved housing counseling agency. Contact Fairfax County HCD at homeownership@fairfaxcounty.gov for a list of approved education providers.提供。 居住要求：County Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Must complete HUD-approved homebuyer education course prior to settlement. Must be purchasing an ADU or WDU unit in Fairfax County. Cannot own other real estate at time of settlement. Must meet household income requirements per HUD guidelines.

Fairfax County Homeownership Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 FTHB track: up to 70% AMI (min household income $25,000); WDU track: 70-100% AMI. Income limits vary by household size per HUD guidelines. 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。

Fairfax County Homeownership Program将房价上限设为$600,000。 符合条件的房屋类型包括Condo、Townhouse和Single Family。 新建房屋符合条件。

Fairfax County Homeownership Program服务于在Fairfax县，Virginia购房的购房者。

Fairfax County Homeownership Program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。 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。