HOME Homeownership Program

HOME Homeownership Program是面向Richmond，Virginia购房者的延期第二贷款。 HOME of Virginia's HOME Homeownership Program is a regional first-time-homebuyer program providing up to $20,000 as a 0% interest deferred-payment second mortgage. HOME of VA is a HUD-certified housing counseling agency and a Virginia statewide leader in fair-housing services. Funds are sourced from HUD HOME pass-through dollars and from private and philanthropic sources. Includes wraparound services - homebuyer education, individual counseling, fair-housing assistance, and post-purchase support. Up to $20,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing in the Richmond region. 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. Includes free fair-housing counseling and homebuyer-education services. 资金来自HOME、Federal、Private和Philanthropic。

HOME Homeownership 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 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。 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HOME of Virginia (HUD-certified housing counseling agency); 8-hour homebuyer education and one-on-one counseling provided in-house.提供。 居住要求：Property must be located within the Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) 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 Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) and be the buyer's primary residence. Buyer must be a first-time homebuyer (no ownership in prior 3 years). Household income between $63,600 (1-person minimum) and $119,900 (8-person maximum) tracking 80% AMI for the Richmond MSA. Minimum 620 FICO. Minimum borrower contribution $1,000. 8-hour HUD-approved homebuyer education required (provided in-house by HOME of VA). Pre-purchase one-on-one counseling required.

HOME Homeownership 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 $63,600 (1-person minimum threshold) and $119,900 (8-person maximum) at 80% AMI for Richmond MSA. 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 Homeownership Program的房价上限如下：Tracks HUD HOME maximum sales price for Richmond MSA。 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 Homeownership Program服务于在Richmond，Virginia购房的购房者。

HOME 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。 资金通过Application through HOME of Virginia; counseling appointments scheduled directly with HOME of VA staff. First-come, first-served subject to annual funding.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。