HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network是面向Winchester City, Frederick, Clarke, Warren, Page, Shenandoah县，Virginia购房者的延期第二贷款，由Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program管理。 The HOMEownership Down Payment & Closing Cost Assistance Program (DPA), administered locally by Blue Ridge Housing Network for the Northern Shenandoah Valley (City of Winchester and Clarke, Frederick, Page, Shenandoah, and Warren counties), provides flexible gap financing to first-time homebuyers at or below 80% of area median income. Income-eligible buyers may receive up to 10% of the sales price (up to 15% in this designated high-cost region) plus up to $2,500 toward closing costs, with a maximum total of $40,000. Assistance is a 0% interest, no-payment deferred (silent second) loan secured by a deed of trust that is fully forgiven after a 5- or 10-year affordability period. Up to 10% (15% in high-cost area) of sales price toward down payment. Up to $2,500 toward closing costs. Maximum $40,000 total assistance. 0% interest, no monthly payments. Fully forgivable after 5- or 10-year affordability period. Free housing counseling. 资金来自HUD HOME Investment Partnerships Program funds allocated through Virginia DHCD。

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network提供$1,000至$40,000的援助。 援助档次：Affordability period set by subsidy amount: $1,000-$14,999 = 5 years; $15,000-$40,000 = 10 years. Up to 10% of sales price (15% in designated high-cost/depressed localities, which include the BRHN service area) plus up to $2,500 closing costs. 购房者自付部分：Buyers 50%-80% AMI contribute 1% of sales price from personal funds; buyers under 50% AMI contribute $500. 该项目可与VIDA, ARS (Acquire, Renovate, Sell), Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Fannie Mae/Freddie Mac assistance 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Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program决定。

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network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：Sale, transfer of title, loan assumption, or ceasing to occupy the home as principal residence during the affordability period。 该援助以Second (silent/deferred second deed of trust behind the 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。

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network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：Never owned a home OR not held primary ownership in a principal residence within the most recent three-year period (with special cases for mobile homes titled as personal property and non-occupied investment/inherited property). 关于信用，该项目说明：FICO median score of 620; at least 3 trade lines open and current. Alternative credit may be considered. 须参加购房者教育课程，由HUD-certified homebuyer education course through Virginia Housing, NeighborWorks, or a HUD-certified agency; one-on-one counseling required (BRHN provides counseling free).提供。 [Unparsed numeric values moved to notes: max_liquid_assets: Homebuyers with cash assets of 10% or more of the sales price are ineligible (excluding assets that cannot be liquidated without penalty).] First-time homebuyer; household income at or below 80% AMI; minimum 620 median FICO with 3+ open/current trade lines; minimum 90-day work history; complete HUD-certified homebuyer education and one-on-one counseling; 1% buyer contribution (50-80% AMI) or $500 (under 50% AMI); cash assets under 10% of sales price; fixed-rate first mortgage only; property must pass UPCS inspection and appraisal.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network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 Area Median Income as established by HUD for household size and locality; income for all household members over 18 counted (full-time students 18+ excluded). 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。

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network的房价上限如下：Home value/sales price may not exceed 95% of the area median home sales price (HUD 203(b) limits), established annually by HUD. 符合条件的房屋类型包括Single Family、2-4 Unit、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network服务于在Winchester City, Frederick, Clarke, Warren, Page, Shenandoah县，Virginia购房的购房者。 该项目针对特定区域：Designated high-cost/chronically economically depressed localities receive up to 15% of sales price (vs 10% standard). Winchester, Frederick, Clarke, Warren, Page, and Shenandoah qualify for the 15% tier.

HOMEownership Down Payment & Closing Cost Assistance Program (DPA) - Blue Ridge Housing Network的申请通过Blue Ridge Housing Network, Inc. (BRHN) - regional administrator for the Virginia DHCD HOMEownership DPA program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 cannot be reserved until the homebuyer is pre-approved by a lender and meets DPA eligibility guidelines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。