Homeownership Down Payment Assistance Program (DPA)

Homeownership Down Payment Assistance Program (DPA)是面向Statewide，Virginia购房者的延期第二贷款。 Virginia DHCD HUD HOME-funded statewide DPA - 0% deferred 2nd mortgage up to 10-25% of purchase price + up to $2,500 closing-cost assistance. ≤80% AMI. Forgivable typically over 5 years. Borrower 1% contribution. Pairs with any conforming first. Administered by DHCD sub-recipient network. 620 FICO. Statewide. Virginia DHCD's Homeownership Down Payment Assistance Program (DPA) provides up to 10-25% of the purchase price (or 17% in some regions) plus up to $2,500 for closing costs as a 0% deferred-payment second mortgage to qualifying first-time homebuyers at or below 80% Area Median Income (AMI). Funded by HUD HOME Investment Partnerships Program funds and administered through DHCD's network of sub-recipient nonprofit and housing-authority partners statewide. The DPA second is typically forgivable over 5 years (some sub-recipients use 10-30 year forgiveness or amortization) and may be paired with ANY conforming first mortgage (FHA, VA, USDA-RD, conventional, Virginia Housing). Income limit at or below 80% AMI ($39,400 1-person low-cost rural to $129,100 8-person high-cost NoVA, per HUD HOME income limits). Purchase price tied to HUD HOME 95% area median home value caps ($233,000 rural low-cost to $1,459,000 highest-cost NoVA). 620 minimum FICO. 45% max DTI. Borrower must contribute at least 1% of own funds. Homebuyer education required. 资金来自Federal和HUD HOME。

Homeownership Down Payment Assistance Program (DPA)按项目规定，提供相当于房价25%的援助。 购房者自付部分：Minimum 1% of purchase price from borrower's own funds (gift funds and seller concessions do not count toward the 1%). 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Homeownership Down Payment Assistance Program (DPA)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：0% deferred second mortgage. Forgivable typically over 5 years (1/60 per month, or pro-rata) - some sub-recipients use 10-30 year forgiveness or amortization. Full unforgiven balance due in full on sale, refinance (cash-out), transfer of title, payoff of first, or non-owner-occupancy during the affordability period. No monthly payment. 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。

Homeownership Down Payment Assistance Program (DPA)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 primary-residence ownership in past 3 years). HUD HOME does not provide a targeted-area FTHB waiver, so FTHB applies broadly. 关于信用，该项目说明：620 minimum FICO; some sub-recipients require higher (640-660) per their internal underwriting. 须参加购房者教育课程，由HUD-approved housing counseling agencies; DHCD sub-recipients typically run/coordinate education. Eight hours of pre-purchase counseling typically required.提供。 居住要求：Property in Virginia; primary residence. Statewide. Specific sub-recipient may have geographic service area limitations. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per HUD HOME requirements (lawful presence required). First-time homebuyer required (no ownership of a primary residence in the past 3 years). Owner-occupied primary residence. Income at or below 80% AMI per HUD HOME income limits ($39,400 1-person rural low-cost to $129,100 8-person high-cost NoVA). 620 minimum FICO. Maximum 45% DTI. Purchase price within HUD HOME 95% area median home value caps ($233,000 rural to $1,459,000 highest-cost NoVA). Borrower must contribute at least 1% of own funds toward purchase. Borrower must have liquid assets less than $50,000 (varies by sub-recipient). Homebuyer education / counseling required (typically 8 hours of pre-purchase counseling via HUD-approved counselor). Must apply through a DHCD sub-recipient nonprofit / housing authority partner. Must be paired with a conforming first mortgage (FHA, VA, USDA-RD, conventional, Virginia Housing eligible).

Homeownership Down Payment Assistance Program (DPA)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。 At or below 80% Area Median Income (AMI) per HUD HOME income limits. Varies by jurisdiction and household size: $39,400 (1-person rural low-cost - SW Virginia, Lee/Wise/Buchanan counties) to $129,100 (8-person high-cost NoVA - Arlington/Fairfax/Loudoun/Prince William). Verify by county/household size with sub-recipient. 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 Assistance Program (DPA)将房价上限设为$1.5M。 符合条件的房屋类型包括Single-family detached, attached townhouse, condominium (project-approved), 2-4 unit owner-occupied (per first-mortgage overlays), manufactured home on permanent foundation (per HUD HOME). 新建房屋符合条件。 预制房屋符合条件。

Homeownership Down Payment Assistance Program (DPA)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、遗属配偶和美洲印第安人和阿拉斯加原住民购房者。 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。

Homeownership Down Payment Assistance Program (DPA)服务于在Statewide，Virginia购房的购房者。 该项目针对特定区域：DHCD sub-recipient network covers all of Virginia. High-cost areas (NoVA - Arlington, Fairfax, Loudoun, Prince William, Alexandria) have higher HUD HOME income / purchase-price limits. Rural low-cost areas (SW Virginia - Lee, Wise, Buchanan, Dickenson) have lower limits but typically higher per-buyer DPA percentages.

Homeownership Down Payment Assistance Program (DPA)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 DHCD sub-recipient nonprofit / housing authority partner (varies by region). DHCD allocates HOME DPA funds annually to sub-recipients via competitive RFP.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。