Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)是面向South Boston，Virginia购房者的延期第二贷款，由Southside Outreach Group, Inc. - regional DPA provider for VA DHCD管理。 Southside Outreach Group is the Virginia DHCD HOMEownership DPA regional administrator covering Pittsylvania County and the broader Southside region. Income-eligible first-time homebuyers (<=80% AMI) receive a 0% deferred second loan of up to 10% (15% in approved areas) of the sales price plus up to $2,500 closing costs, max $40,000, forgiven after a 5-10 year affordability period. 0% interest, no payments, forgiven after affordability period. Up to $40,000 down payment + closing-cost help. Free HUD-certified housing counseling. Serves Pittsylvania and 14+ Southside localities. 资金来自HUD HOME funds via Virginia DHCD HOMEownership DPA program。

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)提供$1,000至$40,000的援助。 该项目要求购房者自付1% of sales price from personal funds if income 50-80% AMI; $500 if income under 50% AMI (receipts required). 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 Outreach Group, Inc. - regional DPA provider for VA DHCD决定。

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)在10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, transfer, or loss of owner-occupancy during affordability period; HOME investment recaptured from net proceeds. 该援助以Second (silent/deferred deed of trust)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。

Southside Outreach Group - HOMEownership 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。 此处的“首次”有例外情况：No primary ownership in most recent 3 years counts as first-time. 关于信用，该项目说明：Median credit score of 620 or higher. 须参加购房者教育课程，由HUD-certified Homebuyer Education via Virginia Housing or NeighborWorks-certified course; housing counseling from HUD-certified counselor.提供。

Southside Outreach Group - HOMEownership 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 HUD household size/locality. 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。

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)的房价上限如下：Home value <=95% of area median sales price (HUD 203(b) limits). 符合条件的房屋类型包括Single Family、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)服务于在South Boston，Virginia购房的购房者。 该项目针对特定区域：Pittsylvania and other approved Southside localities may receive up to 15% of sales price where DHCD-designated.

Southside Outreach Group - HOMEownership Down Payment & Closing Cost Assistance (DPA)的申请通过Southside Outreach Group, Inc. - regional DPA provider for VA DHCD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。