SCDHC HOMEownership Down Payment & Closing Cost Assistance Program

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program是面向Richmond; Petersburg; Emporia，Virginia购房者的延期第二贷款，由Southside Community Development & Housing Corporation (SCDHC)管理。 Southside Community Development & Housing Corporation (SCDHC), a HUD-approved housing counseling agency and the largest single-family nonprofit housing developer in the Richmond MSA, administers the Virginia DHCD HOMEownership Down Payment & Closing Cost Assistance Program (federally funded by HUD HOME) as a regional provider for the Crater/Southside region (Brunswick, Charles City, Dinwiddie, Emporia, Greensville, Petersburg, Prince George, Southampton, Sussex) and the Richmond metro (Henrico, Chesterfield, City of Richmond). The DPA is a deferred, no-payment, no-interest second loan that helps income-eligible first-time homebuyers at or below 80% AMI cover down payment and closing costs. Assistance is provided up to 10% of the sales price (up to 15% in DHCD-designated high-cost/economically depressed localities), plus up to $2,500 toward closing costs, to a maximum of $40,000. The loan is secured by a deed of trust for a 5-year (assistance of $1,000-$14,999) or 10-year ($15,000-$40,000) affordability period and is fully forgiven if the buyer keeps the home as their principal residence through the period. SCDHC also offers homebuyer education, one-on-one counseling, and a VIDA matched-savings program. Up to 10% of sales price (15% in high-cost areas) toward down payment. Up to $2,500 toward closing costs. Deferred 0% loan, no monthly payments. Fully forgiven after affordability period. HUD-certified homebuyer education and one-on-one counseling. 资金来自U.S. HUD HOME Investment Partnerships Program, administered by Virginia DHCD。

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program提供$1,000至$40,000的援助。 援助档次：Up to 10% of sales price for standard localities; up to 15% for DHCD-designated high-cost/chronically economically depressed localities。 购房者自付部分：Borrower must contribute 1% of the sales price from personal funds if income is 50%-80% AMI; if income is below 50% AMI, contribution is $500. The 1% may include appraisal, insurance, third-party inspection fees, credit report, and closing costs (receipts required). SCDHC pre-screen asks for at least $2,000 in savings. 该项目可与VIDA, ARS (Acquire/Renovate/Sell), Virginia Housing DPA, Virginia Housing SPARC, FHLB programs, USDA programs, Freddie Mac/Fannie Mae assistance, lender/employer/housing-authority programs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Southside Community Development & Housing Corporation (SCDHC)决定。

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program在5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：Sale or transfer of title (voluntary or involuntary), or failure to occupy as principal residence (rented/vacant), during the affordability period triggers recapture/repayment of the entire outstanding HOME investment from available net proceeds. 该援助以Second (silent second / deferred loan recorded behind first trust mortgage)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。

SCDHC HOMEownership Down Payment & Closing Cost Assistance 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：First-time homebuyer = never owned a home OR has not held primary ownership in a principal residence within the most recent 3-year period. Mobile homes titled as personal property and investment/inherited property not occupied as principal residence in the last 3 years still qualify the buyer as first-time. 关于信用，该项目说明：SCDHC's own screening states a credit score above 640. The underlying DHCD HOME DPA program requires a median FICO of 620 with at least 3 open, current trade lines (alternative credit considered with 3 trades). 须参加购房者教育课程，由HUD-certified homebuyer education course through Virginia Housing, NeighborWorks, or a HUD-certified agency; SCDHC provides its own HUD-approved homebuyer education workshops and counseling.提供。 居住要求：Property must be in SCDHC's DHCD-assigned service area (Crater/Southside counties and Richmond metro localities listed). Loan TERM: deferred second with 5-year affordability period for assistance of $1,000-$14,999 and 10-year affordability period for $15,000-$40,000; no payments and 0% interest; fully forgiven at end of affordability period; not assumable. Borrower must complete HUD-certified homebuyer education and one-on-one counseling, have a 90-day minimum work history, pay off collections totaling $1,000+ and all judgments before closing, and have cash assets below 10% of the sales price. No cash back to buyer at closing.

SCDHC HOMEownership Down Payment & Closing Cost Assistance 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。 Total household income at or below 80% of HUD Area Median Income (AMI) for the locality and household size, per HUD's annually updated HOME income limits. SCDHC's own pre-screen also asks that annual income be at least $40,000. Exact dollar limits vary by jurisdiction and household size; see DHCD/HUD HOME income limit tables (Unconfirmed: SCDHC does not publish a per-household-size dollar chart on its site). 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。

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program的房价上限如下：Home value may not exceed 95% of the area median sales price (HUD 203(b) limits), established annually by HUD per locality. 符合条件的房屋类型包括Single-family detached (one unit)、Duplex/Triplex/Fourplex (assisted unit individually sold and deeded, owner-occupied, no other units owned as rentals)、Townhome、Condominium、Modular home和Manufactured home (post-June 15, 1976; permanent utility hookups; on owned land or long-term lease)。 新建房屋符合条件。 预制房屋符合条件。

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program服务于在Richmond; Petersburg; Emporia，Virginia购房的购房者。

SCDHC HOMEownership Down Payment & Closing Cost Assistance Program的申请通过Southside Community Development & Housing Corporation (SCDHC)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; funds reserved only after the buyer is pre-approved by a lender and meets DPA eligibility. Workshop registration and online application via SCDHC.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。