HOME Downpayment and Closing Cost Assistance

HOME Downpayment and Closing Cost Assistance是面向Suffolk，Virginia购房者的延期第二贷款。 SRHA's HUD HOME-funded forgivable second-lien DPA program for first-time homebuyers in the City of Suffolk. Suffolk Redevelopment & Housing Authority's HOME Downpayment and Closing Cost Assistance Program provides up to $20,000 in HUD HOME-funded second-lien forgivable down payment and closing cost assistance to income-eligible first-time homebuyers purchasing in the City of Suffolk. Structured as a 0% interest deferred-payment second mortgage forgiven pro-rata over the 5-year HOME affordability period. 资金来自HUD HOME Investment Partnerships Program (City of Suffolk PJ via SRHA)。

HOME Downpayment and Closing Cost Assistance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, transfer, refinance with cash-out, or loss of owner-occupancy during affordability period和pro-rata forgiveness over 5 years。 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。

HOME Downpayment and Closing Cost Assistance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：Standard HUD HOME first-time exceptions。 关于信用，该项目说明：No published SRHA minimum; first-mortgage lender overlay typically 620-640。 须参加购房者教育课程，由HUD-approved homebuyer education provider; 8-hour pre-purchase course required提供。 居住要求：Must occupy as primary residence; property in Suffolk。 公民身份或移民身份：U.S. citizen or qualified alien per HUD HOME。 Property must be in the City of Suffolk. Borrower at or below 80% AMI for VA Beach-Norfolk-Newport News HUD MSA. 8-hour HUD-approved homebuyer education and one-on-one counseling required. Minimum $1,000 buyer contribution. HUD HQS inspection.

HOME Downpayment and Closing Cost Assistance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。 80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) for 2024. 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。

HOME Downpayment and Closing Cost Assistance的房价上限如下：HUD HOME max after-rehab value (HUD 203(b) Norfolk-VA Beach)。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet HUD HQS)。 新建房屋符合条件。 预制房屋不符合条件。

HOME Downpayment and Closing Cost Assistance在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

HOME Downpayment and Closing Cost Assistance服务于在Suffolk，Virginia购房的购房者。

HOME Downpayment and Closing Cost Assistance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。 资金通过First-come, first-served via SRHA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。