HOMEownership Down Payment Assistance Program (VHCDC)

HOMEownership Down Payment Assistance Program (VHCDC)是面向Suffolk，Virginia购房者的可免除贷款，由Virginia Housing and Community Development Corporation (VHCDC)管理。 VHCDC, a 501(c)(3) community development corporation based in Suffolk, is a local administering provider of the Virginia DHCD HOMEownership Down Payment and Closing Cost Assistance (DPA) program. It provides flexible gap financing to first-time homebuyers at or below 80% of area median income to purchase safe, decent, accessible homes. The assistance is a forgivable second-mortgage loan with a mandatory affordability period during which the buyer must occupy the home as their primary residence; an eligible buyer may receive up to 10% or 15% (in approved areas) of the sales price (max $25,000) plus up to $1,200 toward closing costs. Applicants must be enrolled in VHCDC's Home Ownership Assistance Program (HOAP). Down payment assistance (up to 10% or 15% of sales price, max $25,000). Up to $1,200 closing cost assistance. Forgivable second mortgage. 15 hours pre-purchase housing education. Two pre-purchase counseling sessions. 资金来自Virginia DHCD HOME Investment Partnerships funds (federal)。

HOMEownership Down Payment Assistance Program (VHCDC)提供最高$25,000的援助。 该项目可与Can be combined with VHCDC VIDA, Virginia Pilot DPA, SPARC rate reduction, and Transition Assistance Grant (TAG)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Virginia Housing and Community Development Corporation (VHCDC)决定。

HOMEownership Down Payment Assistance Program (VHCDC)是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Recaptured if the home is refinanced, sold, no longer the primary residence, or the affordability covenants are breached during the affordability period. 该援助以Second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 (VHCDC)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：No published numeric minimum; applicant must be mortgage-ready with no open collections or judgments. 须参加购房者教育课程，由VHCDC First-Time Home Buyers College (15 hours) plus two pre-purchase counseling sessions提供。 居住要求：Home must be purchased in Virginia within VHCDC's service MSAs. Loan is a forgivable second mortgage with affordability period tied to amount of assistance. Requires enrollment in VHCDC HOAP ($99.95 fee), 15 hours of education, two counseling sessions, three consecutive months of personal financial statements, DTI under 45%, no open collections/judgments. No special-population targeting.

HOMEownership Down Payment Assistance Program (VHCDC)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。 2026 Adjusted Household Income Limits (4-person): Hampton Roads $86,150; Franklin City $76,800; Henrico County $90,800; Isle of Wight County $86,150; Northampton County $69,050; Petersburg $90,800; Pittsylvania County $63,900; Richmond $90,800; Southampton County $76,800; Surry County $86,150; Northern VA/DC/MD $106,800. Full 1-8 person tables published on the program page. 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。

HOMEownership Down Payment Assistance Program (VHCDC)的房价上限如下：Subject to DHCD HOME homeownership sales price limits (per the DHCD program guidelines). 符合条件的房屋类型包括Single Family、Condo和Townhouse。

HOMEownership Down Payment Assistance Program (VHCDC)服务于在Suffolk，Virginia购房的购房者。

HOMEownership Down Payment Assistance Program (VHCDC)的申请通过Virginia Housing and Community Development Corporation (VHCDC)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, subject to funding availability; allow 21-30 days for processing.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。