Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)是面向Leesburg，Virginia购房者的可免除贷款，由Loudoun County Department of Housing and Community Development管理。 Loudoun County's DPCC Program offers first-time homebuyers at 30%-70% AMI a forgivable loan of up to 10% of the purchase price (max $70,000) toward down payment and closing costs, whether buying through the county's Affordable Dwelling Unit program or a market-rate home. The loan is 0% interest and forgiven over 15 years. Applicants must have lived or worked in Loudoun County at least six months and contribute a minimum of $1,000. Up to $70,000 / 10% of price. 0% interest, no monthly payments. Forgivable over 15 years. ADU or market-rate homes. Subordination available for rate/term refinance. 资金来自Loudoun County Housing Fund (local)。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)提供最高$70,000的援助。 购房者自付部分：Min $1,000 of borrower's own funds。 该项目可与Affordable Dwelling Unit (ADU) purchase program; market-rate purchases; Virginia Housing first-trust loans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Loudoun County Department of Housing and Community Development决定。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)在15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：Forgiven ~6.666%/yr over 15 years; unforgiven balance due if sold/transferred or no longer owner-occupied before term。 该援助以Subordinate (second) 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。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)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：No residential ownership interest anywhere in last 3 years。 关于信用，该项目说明：Min mid-range FICO 620 (report < 90 days old)。 须参加购房者教育课程，由Virginia Housing Homeownership Education certificate required before settlement提供。 居住要求：Lived and/or worked in Loudoun County >= 6 months; home purchased in Loudoun County。 DTI over 34/45 may be ineligible; exceptions to 35/46 with 3+ compensating factors. Cash-out refi/HELOC requires full payoff. A companion DPCC Plus (same 10%/$70,000 terms) serves 70%-100% AMI ($116,300-$166,100); could be staged separately.

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)将家庭收入限制在地区收入中位数的70%，该数值因县和家庭人数而异。 Gross household income 30%-70% AMI; current eligible range ~$49,850-$116,300 regardless of family size (updated 05/2026). Loudoun 4-person: 70%=$116,300, 80%=$132,900, 100%=$166,100. 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。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)的房价上限如下：No stated max price; assistance capped at 10% of price or $70,000。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)服务于在Leesburg，Virginia购房的购房者。

Loudoun County Down Payment / Closing Cost Assistance Program (DPCC)的申请通过Loudoun County Department of Housing and Community Development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; Loan Committee approval; reservation valid 90 days; waitlist when depleted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。