HOMEownership Down Payment & Closing Cost Assistance

HOMEownership Down Payment & Closing Cost Assistance是面向Petersburg，Virginia购房者的补助金。 PRHA acts as a sub-recipient of the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program for the Petersburg/Tri-Cities region, offering up to 10% of sales price (max ~$25,000) as a forgivable grant for first-time homebuyers. Petersburg Redevelopment and Housing Authority (PRHA) administers the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (DPA) as a sub-recipient. Eligible first-time homebuyers in the Petersburg service area receive a grant equal to up to 10% of the home's sales price (with the borrower contributing at least 1% own funds), capped per DHCD program guidelines (typically $25,000 max in higher-cost markets). Structured as a forgivable grant - no repayment if owner-occupancy is maintained. 资金来自Virginia DHCD HOMEownership DPA (HUD HOME pass-through and state appropriation)。

HOMEownership Down Payment & Closing Cost Assistance按项目规定，提供相当于房价10%的援助。 购房者自付部分：Borrower must contribute at least 1% of sales price from own funds。 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 & Closing Cost Assistance属于补助金，因此无需偿还。 触发还款的情形：Grant - no repayment if owner-occupancy maintained per program affordability period和sale/transfer during affordability period may trigger pro-rata recapture per HUD HOME rules。 该援助以2nd Lien (DPA grant secured by note)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 in past 3 years); HUD displaced homemaker/single parent exceptions。 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 homebuyer education provider; 8-hour pre-purchase course and one-on-one counseling required提供。 居住要求：Must occupy as primary residence; property in PRHA service area (City of Petersburg/surrounding)。 公民身份或移民身份：U.S. citizen or qualified alien per HUD HOME。 Borrower must be a first-time homebuyer. Minimum credit score 620. Income at or below 80% AMI for the appropriate jurisdiction (Petersburg/Tri-Cities area). Borrower must contribute at least 1% of own funds. Maximum sales price per VA DHCD program limits (range $233,000 - $361,000 by area). Minimum 8 hours HUD-approved homebuyer education required. Owner-occupancy required.

HOMEownership Down Payment & Closing Cost Assistance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。 80% AMI per applicable HUD area; range approximately $41,100 (1-person, lower-income areas) to $116,500 (8-person, higher-income areas) per VA DHCD HOMEownership DPA program guidelines. 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将房价上限设为$361,000。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet HUD HQS)。 新建房屋符合条件。 预制房屋不符合条件。

HOMEownership Down Payment & Closing Cost Assistance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、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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 & Closing Cost Assistance服务于在Petersburg，Virginia购房的购房者。

HOMEownership Down Payment & Closing Cost Assistance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First-come, first-served subject to available DHCD HOMEownership DPA funds via PRHA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。