Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program是面向Statewide (all Virginia counties and independent cities)县，Virginia购房者的延期第二贷款，由Habitat for Humanity Virginia管理。 Habitat for Humanity Virginia is a designated statewide administrator of the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federally funded by HUD HOME). It provides down payment and closing-cost assistance to income-eligible first-time homebuyers at or below 80% AMI across the entire Commonwealth, including buyers who are NOT purchasing a Habitat-built home. The DPA is a deferred, 0% second loan up to 10% of the sales price (up to 15% in DHCD-designated high-cost/economically depressed localities) plus up to $2,500 toward closing costs, to a maximum of $40,000, secured by a deed of trust for a 5- or 10-year affordability period and forgiven if the home remains the buyer's principal residence through the period. Because Habitat Virginia covers every Virginia locality on DHCD's provider list, it functions as the statewide backstop DPA provider in addition to regional nonprofit administrators. Statewide coverage including non-Habitat home purchases. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Deferred 0% loan, fully forgiven after affordability period. 资金来自U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program提供$1,000至$40,000的援助。 援助档次：Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities。 购房者自付部分：Borrower must contribute 1% of the sales price from personal funds if income is 50%-80% AMI; if income is below 50% AMI, contribution is $500 (receipts required). 该项目可与VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs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Habitat for Humanity Virginia决定。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program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 or transfer of title (voluntary or involuntary), or failure to occupy as principal residence, during the affordability period triggers recapture/repayment of the entire outstanding HOME investment from available net proceeds. 该援助以Second (silent second / deferred loan behind first trust mortgage)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。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance 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 homebuyer = never owned a home OR has not held primary ownership in a principal residence within the most recent 3-year period. Mobile homes titled as personal property and investment/inherited property not occupied as principal residence in the last 3 years still qualify the buyer as first-time. 关于信用，该项目说明：Median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades) per DHCD HOME DPA Program Guidelines. 须参加购房者教育课程，由HUD-certified homebuyer education through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one HUD-certified housing counseling required.提供。 居住要求：Property must be in Virginia; Habitat Virginia covers all Virginia localities as the statewide DPA administrator. Loan TERM: deferred 0% second with 5-year affordability period for $1,000-$14,999 and 10-year for $15,000-$40,000; fully forgiven at end of term; not assumable. Statewide DPA administrator; assistance available even when the buyer is not purchasing a Habitat-built home. Buyer must complete HUD-certified homebuyer education/counseling, have 90-day minimum work history, pay off collections of $1,000+ and all judgments before closing, and hold cash assets below 10% of sales price. No cash back at closing. Contact for DPA is Gwen Christmas.

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance 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。 Total household income at or below 80% of HUD Area Median Income for the locality and household size, per HUD's annually updated HOME income limits. Because coverage is statewide, the dollar limit varies by jurisdiction and household size; see DHCD 2025 HUD HOME Income Levels. (Unconfirmed: no single statewide dollar figure applies.). 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。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program的房价上限如下：Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. 符合条件的房屋类型包括Single-family detached (one unit)、Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied)、Townhome、Condominium、Modular home和Manufactured home (post-June 15, 1976; permanent utility hookups; owned land or long-term lease)。 新建房屋符合条件。 预制房屋符合条件。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program服务于在Statewide (all Virginia counties and independent cities)县，Virginia购房的购房者。

Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance Program的申请通过Habitat for Humanity Virginia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; funds reserved only after lender pre-approval and DPA eligibility. Contact via DPA@habitatvirginia.org.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。