NRHA HomeNet HOME Program

NRHA HomeNet HOME Program是面向Norfolk，Virginia购房者的延期第二贷款，由Norfolk Redevelopment and Housing Authority (NRHA) - HomeNet Homeownership Center管理。 The HOME Investment Partnership Program, implemented by the City of Norfolk and NRHA, provides up to $40,000 in down payment and closing cost assistance to first-time homebuyers with household income at or below 80% AMI buying in Norfolk. Administered through NRHA's HomeNet Homeownership Center, a one-stop shop offering credit counseling, homebuyer education, and access to qualified lenders, Realtors and attorneys. Up to $40,000 in down payment and closing cost assistance. Pre- and post-purchase counseling. Credit counseling and repair. Access to Virginia Housing SPARC 1% rate reduction. Stackable with VIDA. 资金来自HOME Investment Partnerships Program (HUD) via City of Norfolk and NRHA。

NRHA HomeNet HOME Program提供最高$40,000的援助。 该项目可与Virginia Housing SPARC (1% rate reduction for HomeNet DPA buyers); Virginia Individual Development Accounts (VIDA)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Norfolk Redevelopment and Housing Authority (NRHA) - HomeNet Homeownership Center决定。

NRHA HomeNet HOME 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。 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。

NRHA HomeNet HOME 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：Must not have owned a home within the past three years。 须参加购房者教育课程，由Virginia Housing-approved first-time homebuyer education via NRHA HomeNet Homeownership Center提供。 Must not have owned a home within the past three years; annual household income at least $25,000; no bankruptcy in the last two years. Property must be in the City of Norfolk. Required documentation: one month proof of income, supplemental income verification for all household members, current financial statements. Apply via https://www.homenetnorfolk.org/Forms/Homenet.

NRHA HomeNet HOME 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 at or below 80% AMI. 2025 limits (HomeNet): 1 $55,450; 2 $63,400; 3 $71,300; 4 $79,200; 5 $85,550; 6 $91,900; 7 $98,250; 8 $104,550. 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。

NRHA HomeNet HOME Program可用于Single Family、Condo和Townhouse。 新建房屋不符合条件。

NRHA HomeNet HOME Program服务于在Norfolk，Virginia购房的购房者。

NRHA HomeNet HOME Program的申请通过Norfolk Redevelopment and Housing Authority (NRHA) - HomeNet Homeownership Center办理，该机构在其网站上公布现行条款和申请步骤。 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。