Northern Virginia Down Payment & Closing Cost Assistance (CFH)

Northern Virginia Down Payment & Closing Cost Assistance (CFH)是面向Manassas，Virginia购房者的可免除贷款，由CFH (Catholics for Housing, Inc. / Creating Foundations for Hope)管理。 CFH (Catholics for Housing, Inc., d/b/a Creating Foundations for Hope), a Manassas-based 501(c)(3), administers the Virginia DHCD HOMEownership Down Payment and Closing Cost Assistance (DPA) program in Northern Virginia. It provides down payment and closing cost assistance to first-time homebuyers at or below 80% of area median income, structured as a forgivable second deed of trust with an affordability period scaled to the amount of assistance. Assistance cannot exceed 10% (15% in high-cost areas) of the sale price, and buyers must contribute at least 1% and complete HUD-certified homebuyer education and CFH counseling. Down payment & closing cost assistance (up to 10%, or 15% in high-cost areas, of sale price). Forgivable second deed of trust. Homeownership counseling. HUD-certified homebuyer education. 资金来自Virginia DHCD HOME Investment Partnerships funds (federal)。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)提供最高$40,000的援助。 援助档次：Affordability period tiers by assistance amount: <=$14,999 (5 yrs), $15,000-$40,000 (10 yrs), >$40,000 (15 yrs). 购房者自付部分：Buyer down payment must equal at least 1% of the property cost; earnest money deposit of 1% of sales price, not less than $1,000. 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CFH (Catholics for Housing, Inc. / Creating Foundations for Hope)决定。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)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：Funds are recaptured if, during the affordability period, the property is refinanced, sold, the forgivable second trust is assumed, the property ceases to be the principal residence, the property is leased/rented, the property is renovated to reduce bedrooms, or covenants are breached. 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。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)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：Counts as first-time if no ownership interest in real estate in the last 3 years. 关于信用，该项目说明：No published numeric minimum; must meet mortgage/lender requirements. 须参加购房者教育课程，由HUD-certified Homebuyer Education Class (e.g., Virginia Housing homeownership class) plus CFH homeownership counseling提供。 居住要求：Property must be in CFH's Northern Virginia service area. Forgivable second deed of trust with affordability period scaled to assistance amount (5/10/15 years). Max 95% LTV; first mortgage must be fixed-rate 30/35/38-yr USDA/Virginia Housing/FHA/VA/Habitat/conventional. Requires signed purchase offer (turn-key property), home inspection, FHA appraisal, 1% buyer down payment, 1%/min $1,000 earnest money, HUD-certified education, CFH counseling. No special-population targeting.

Northern Virginia Down Payment & Closing Cost Assistance (CFH)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。 HOME Program Income Limits (NoVA), as of May 2026, by household size: 1 $74,800; 2 $85,450; 3 $96,150; 4 $106,800; 5 $115,350; 6 $123,900; 7 $132,450; 8 $141,000. (Program guidelines page also shows a separate lower CFH NoVA DPA eligibility table: 1 $68,500; 2 $78,250; 3 $88,050; 4 $97,800; 5 $105,650; 6 $113,450; 7 $121,300.). 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。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)的房价上限如下：Cash assets cannot exceed 10% of the sales price; subject to DHCD HOME sales price limits. 符合条件的房屋类型包括Single Family、Condo、Townhouse、Manufactured和2-4 Unit。 预制房屋符合条件。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)服务于在Manassas，Virginia购房的购房者。

Northern Virginia Down Payment & Closing Cost Assistance (CFH)的申请通过CFH (Catholics for Housing, Inc. / Creating Foundations for Hope)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 package submitted to CFH; processed on receipt subject to funding availability.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。