James City County First-Time Homebuyer Program

James City County First-Time Homebuyer Program是面向Williamsburg，Virginia购房者的延期第二贷款，由James City County Office of Housing管理。 The James City County Office of Housing First-Time Homebuyer Program offers homeowner education classes, credit report reviews, and housing counseling to assist County residents and the local workforce in purchasing affordable housing. The program assists qualified buyers with down payment and closing cost assistance, and in designated areas offers low-interest-rate financing. Hampton Roads Loan Fund Partnership HOME funds are available to assist with purchases throughout the County and the City of Williamsburg. Down payment assistance. Closing cost assistance. Free homebuyer education classes. Credit report review. Pre-purchase housing counseling. Low-interest-rate financing in designated areas. 资金来自Federal HOME Investment Partnerships funds via Hampton Roads Planning District Commission - Hampton Roads Loan Fund Partnership (HRLFP); may be combined with Virginia Housing grants and SPARC reduced-rate financing.

James City County First-Time Homebuyer 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：Sale, transfer, refinance, or loss of owner-occupancy may trigger repayment under the underlying Hampton Roads Loan Fund Partnership / HOME deferred loan terms (specific term not stated on JCC primary source). 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。

James City County First-Time Homebuyer 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：Treated as first-time homebuyer if applicant has not owned a home in the last 3 years. 关于信用，该项目说明：Credit score of 620 or higher. 须参加购房者教育课程，由James City County Office of Housing homebuyer education classes; pre-purchase housing counseling provided by the Office of Housing.提供。 居住要求：Program serves James City County residents and the local workforce; assistance is to purchase homes throughout James City County and the City of Williamsburg. Must not have owned a home in the last 3 years; household income at or below 80% AMI; credit score 620+; stable income sufficient for the mortgage payment. DPA sourced from Hampton Roads Loan Fund Partnership HOME funds; may combine with Virginia Housing grants and SPARC.

James City County First-Time Homebuyer 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 may not exceed 80% of Area Median Income (HUD AMI for the Virginia Beach-Norfolk-Newport News, VA-NC HUD metro). Specific per-household-size dollar limits not published on the JCC program page; determined at application using current HUD income limits. 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。

James City County First-Time Homebuyer Program的房价上限如下：Subject to HRLFP / HOME maximum purchase price limits; specific cap not stated on JCC primary source. 符合条件的房屋类型包括Single Family、Townhouse和Condo。

James City County First-Time Homebuyer Program服务于在Williamsburg，Virginia购房的购房者。 该项目针对特定区域：In designated areas the program offers low-interest-rate financing in addition to down payment/closing-cost assistance.

James City County First-Time Homebuyer Program的申请通过James City County Office of Housing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 submitted to James City County Office of Housing (online application); subject to availability of HRLFP HOME funds.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。