Henrico County Employee Home Purchase Assistance Program (EHPAP)

Henrico County Employee Home Purchase Assistance Program (EHPAP)是面向Henrico，Virginia购房者的可免除贷款，由Henrico County Department of Community Revitalization管理。 EHPAP is Henrico County's employer-funded benefit providing up to $25,000 in down payment and closing-cost assistance as an interest-free forgivable loan to eligible full-time County, Public Schools, or constitutional-officer employees buying a first home in Henrico County. The loan is forgiven 1/120th per pay period over five years of continued employment and owner-occupancy; any unforgiven balance becomes repayable if conditions are not met. The program also provides free HUD-certified homebuyer education and six hours of counseling. Up to $25,000 DP/closing-cost assistance. Interest-free forgivable loan. Forgiven over 5 years of employment + occupancy. Free HUD-certified education and 6 hours counseling. 资金来自Henrico County (employer-funded employee benefit)。

Henrico County Employee Home Purchase Assistance Program (EHPAP)提供最高$25,000的援助。 购房者自付部分：At least $1,000 of employee's personal funds (EHPAP funds may not be used for deposits/inspections)。 该项目可与Primary first mortgage (limits per Virginia Housing)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Henrico County Department of Community Revitalization决定。

Henrico County Employee Home Purchase Assistance Program (EHPAP)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：Failure to keep full-time County employment and/or occupy as primary residence for 5 years; remaining unforgiven balance repayable. Forgiven 1/120th per pay period over 5 years. 该援助以Subordinate (second)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。

Henrico County Employee Home Purchase Assistance Program (EHPAP)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：No ownership interest in real estate within last 5 years (incl. out-of-state/foreign)。 关于信用，该项目说明：Score >= 600; outstanding judgments/collections <= $1,000; bankruptcies discharged >= 2 yrs; foreclosures >= 5 yrs old。 须参加购房者教育课程，由Two-part HUD-certified homebuyer course plus 6 hours individualized counseling, via the program administrator at no cost提供。 居住要求：Home being purchased must be in Henrico County, VA。 Restricted to Henrico County employees (Government, Public Schools, or constitutional officers) with 12+ months consecutive full-time service and acceptable-or-better rating. Total household assets (excl. primary vehicles and retirement) <= $50,000. Assistance is taxable. Funds not guaranteed.

Henrico County Employee Home Purchase Assistance Program (EHPAP)将家庭收入限制在$169,600。 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。

Henrico County Employee Home Purchase Assistance Program (EHPAP)将房价上限设为$550,000。

Henrico County Employee Home Purchase Assistance Program (EHPAP)仅限Full-time permanent employees of Henrico County Government, Henrico County Public Schools, or a Henrico County constitutional officer的员工。 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。

Henrico County Employee Home Purchase Assistance Program (EHPAP)服务于在Henrico，Virginia购房的购房者。

Henrico County Employee Home Purchase Assistance Program (EHPAP)的申请通过Henrico County Department of Community Revitalization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Funds reserved at closing by review committee after application/requirements; completion does not guarantee funds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。