Petersburg RHA Down Payment & Closing Cost Assistance (DPA)

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)是面向Petersburg，Virginia购房者的延期第二贷款，由Petersburg Redevelopment and Housing Authority (PRHA)管理。 PRHA is a DHCD-designated regional administrator of the Virginia HOMEownership Down Payment and Closing Cost Assistance Program (DPA). It provides deferred assistance to lower-income, first-time homebuyers who cannot typically qualify for conventional mortgage products, for the purchase of a primary residence. An income-eligible buyer may receive up to 10% of the purchase price toward the down payment plus up to $2,500 toward closing costs, to a maximum of $40,000. Assistance is structured with a mandatory affordability period and secured by a restricted deed of covenant and promissory note. Up to 10% of purchase price for down payment. Up to $2,500 for closing costs. Maximum assistance $40,000. No monthly payments or interest during affordability period. Serves buyers who cannot qualify for conventional products. 资金来自HUD HOME funds passed through the Virginia DHCD HOMEownership Down Payment and Closing Cost Assistance Program。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)提供最高$40,000的援助。 购房者自付部分：Must provide 1% of sales price from personal funds, or a minimum of $500。 该项目可与Buyer's first mortgage; HUD-certified homebuyer education through Virginia Housing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Petersburg Redevelopment and Housing Authority (PRHA)决定。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)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 cessation of owner-occupancy as primary residence before the end of the affordability period。 该援助以Subordinate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。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由HUD-certified Homebuyer Education class sponsored by Virginia Housing (1-888-643-2696)提供。 居住要求：Property must be located within PRHA's DPA service area。 Up to 10% of purchase price toward down payment plus up to $2,500 closing costs (attorney fee, title insurance, taxes). First-time homebuyer; primary residence; contribute 1% of sales price (min $500). Complete HUD-certified Virginia Housing homebuyer education. Income at or below 80% AMI by family size. DTI not to exceed 45%; housing ratio not to exceed 33%. Applicants with cash/liquid assets of 10% or more of sales price are ineligible. Sign homebuyer agreement and execute restricted deed of covenant and promissory note; lien placed for affordability period. Required docs: signed application, mortgage application from lender, monthly household budget. Up to 15% of sales price within DHCD-approved areas. PRHA DPA contact: Latysha Carpenter, ext. 136. Application packet effective 05-15-24.

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)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 by household size (Richmond MSA): 1p $61,780; 2p $70,600; 3p $79,450; 4p $88,250; 5p $95,350; 6p $102,400; 7p $109,450; 8p $116,500. 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。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)的房价上限如下：Initial purchase price or after-rehab value cannot exceed 95% of area median purchase price for single-family housing per HUD (HOME homeownership sales price limits)。 符合条件的房屋类型包括Single Family。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)服务于在Petersburg，Virginia购房的购房者。 该项目针对特定区域：Serves Chesterfield, Petersburg, Colonial Heights, Dinwiddie, Hopewell, Prince George, Emporia, Greensville, Sussex and Surry; up to 15% of sales price available within DHCD-approved targeted areas。

Petersburg RHA Down Payment & Closing Cost Assistance (DPA)的申请通过Petersburg Redevelopment and Housing Authority (PRHA)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。