HOME First-Time Homebuyers Program

HOME First-Time Homebuyers Program是面向Augusta|Bath|Highland|Rockbridge|Rockingham县，Virginia购房者的延期第二贷款。 The Central Shenandoah PDC HOME First-Time Homebuyers Program is a regional DPA program serving the five-county Central Shenandoah PDC service area plus the cities of Buena Vista, Harrisonburg, Lexington, Staunton, and Waynesboro. Provides up to $30,000 as a 0% interest deferred-payment second mortgage. Funds are sourced from HUD HOME pass-through dollars. Maximum sales price $209,000 for existing homes and $271,000 for new construction. Up to $30,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing in the Central Shenandoah Planning District. Provided as a 0% interest deferred-payment second mortgage. No monthly payments. repaid upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 资金来自HOME和Federal。

HOME First-Time Homebuyers Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred 0% second-mortgage repayable in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 该援助以2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 First-Time Homebuyers 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 (no ownership of residential real estate in prior 3 years). 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving the Shenandoah Valley; CSPDC partner counseling providers.提供。 居住要求：Property must be located within the CSPDC service area (Augusta, Bath, Highland, Rockbridge, Rockingham counties; cities of Buena Vista, Harrisonburg, Lexington, Staunton, Waynesboro) and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by HUD HOME rules。 Property must be located in the Central Shenandoah PDC service area (Augusta, Bath, Highland, Rockbridge, Rockingham counties; cities of Buena Vista, Harrisonburg, Lexington, Staunton, Waynesboro) and be the buyer's primary residence. Buyer must be a first-time homebuyer (no ownership in prior 3 years). Household income between $41,100 (1-person minimum) and $94,950 (8-person maximum) tracking 80% AMI. Minimum 620 FICO. Minimum borrower contribution $1,000. Maximum sales price between $209,000 and $271,000 depending on property type (existing vs. new construction). 8-hour HUD-approved homebuyer education required.

HOME First-Time Homebuyers 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。 Household income between $41,100 (1-person minimum threshold) and $94,950 (8-person maximum) at 80% AMI for the CSPDC service area. Updated annually. 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。

HOME First-Time Homebuyers Program将房价上限设为$271,000。 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

HOME First-Time Homebuyers Program服务于在Augusta|Bath|Highland|Rockbridge|Rockingham县，Virginia购房的购房者。

HOME First-Time Homebuyers 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。 资金通过Application through CSPDC; first-come, first-served subject to annual HUD HOME funding allocation.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。