Prince William County First-Time Homebuyer (FTHB) Program

Prince William County First-Time Homebuyer (FTHB) Program是面向Woodbridge，Virginia购房者的延期第二贷款，由Prince William County Office of Housing and Community Development管理。 Prince William County's FTHB Program provides down payment and closing cost assistance to low- and moderate-income first-time buyers who live or work in the Prince William Area (the county and the cities of Manassas and Manassas Park). Assistance is a 30-year deferred second-trust loan with shared market appreciation, funded by federal HOME dollars. Buyers complete three financial education/counseling sessions and contribute at least 1% of their own funds. Down payment & closing cost assistance. 0% interest, no monthly payments. 30-year deferred. Available to buyers who work (not just live) in the area. 资金来自Federal HOME Investment Partnerships allocation。

Prince William County First-Time Homebuyer (FTHB) 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：Due and payable if property no longer principal residence, sold, transferred, or first loan refinanced to remove equity; includes shared market appreciation。 该援助以Second (subordinate) 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。

Prince William County First-Time Homebuyer (FTHB) 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：No residential ownership interest anywhere in last 3 years。 关于信用，该项目说明：Min middle score 640; no outstanding judgments/collections (medical must be paid); no late payments in last 12 months。 须参加购房者教育课程，由Virginia Cooperative Extension (Smart Money Management + HUD-certified counseling) plus Virginia Housing Home Ownership Seminar提供。 居住要求：Must live or work in the Prince William Area (PWC, City of Manassas, or City of Manassas Park); property within that area。 公民身份或移民身份：All occupants U.S. citizens or qualified persons with valid USCIS documents。 No payday/title loans or negative deposit balances in last 6 months; min 2 yrs since bankruptcy discharge; extra restrictions after prior foreclosure/deed-in-lieu/short sale. Applications only during open, funded periods.

Prince William County First-Time Homebuyer (FTHB) 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。 Combined gross household income at/below 80% AMI (Washington-Arlington-Alexandria HUD area) by household size. 4-person 80% = $106,800 (eff 6/1/2026); 1-person $74,800 to 8-person $141,000. 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。

Prince William County First-Time Homebuyer (FTHB) Program将房价上限设为$399,000。

Prince William County First-Time Homebuyer (FTHB) Program服务于在Woodbridge，Virginia购房的购房者。

Prince William County First-Time Homebuyer (FTHB) Program的申请通过Prince William County Office 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 during open application periods (Neighborly portal); waitlist when funds 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。