TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program是面向Roanoke，Virginia购房者的延期第二贷款，由Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley管理。 TAP (Total Action for Progress), a Roanoke Valley community action agency, is a Virginia DHCD-designated regional provider of the HOMEownership Down Payment & Closing Cost Assistance Program, funded through HUD HOME. It provides 0%-interest, deferred, forgivable silent-second gap financing to first-time homebuyers at or below 80% AMI — up to 10% of sales price (up to 15% in high-cost areas) plus up to $2,500 closing costs, $40,000 maximum, forgiven after a 5- or 10-year affordability period. As of June 2026, TAP's page states limited funds are available first-come, first-served. 0% interest deferred/forgivable second mortgage. no monthly payments. forgiven after affordability period. up to 10-15% of price plus up to $2,500 closing costs. stackable. free homebuyer education and counseling. 资金来自Federal HUD HOME funds via Virginia DHCD annual allocation。

TAP (Total Action for Progress) 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 (standard) or up to 15% in DHCD-designated high-cost/economically depressed localities, plus up to $2,500 closing costs; $40,000 maximum total. Forgiveness term: 5 years for $1,000-$14,999; 10 years for $15,000-$40,000. 购房者自付部分：Income 50%-80% AMI: contribute 1% of sales price from personal funds. Income below 50% AMI: contribute $500. 该项目可与May be leveraged with VIDA, ARS, Virginia Housing DPA, Virginia Housing SPARC, FHLB, USDA, and other 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Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley决定。

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance 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：Sale, transfer of title (voluntary or involuntary), loss of owner-occupancy, or loan assumption during the period of affordability. 该援助以Second (silent second / deferred loan via DHCD HOME Deed of Trust, subordinate to 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。

TAP (Total Action for Progress) 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：No primary-residence ownership in the most recent 3 years qualifies as first-time; exceptions for mobile homes titled as personal property and non-occupied inherited/investment property. 关于信用，该项目说明：FICO median 620+ with at least 3 open, current trade lines; alternative credit (rent, utilities, retail) with 3+ trades may be considered. 须参加购房者教育课程，由HUD-certified Homebuyer Education via Virginia Housing, NeighborWorks, or HUD-certified agency; HUD-certified housing counseling required. TAP offers its own counseling and education.提供。 居住要求：Property must be in TAP's service area (Roanoke City, Roanoke County, Botetourt, Craig, Rockbridge, Salem City). Confirmed active and funded — TAP page states limited funds available first-come, first-served; DHCD DPA Local Provider Contact List (rev. March 2026) lists TAP as the Roanoke Valley provider. Distinct from the City of Roanoke's own DPA (50% match up to $4,000). Citizenship requirement, mortgage term, HOA, flood-zone, max acreage not specified.

TAP (Total Action for Progress) 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。 Household income at or below 80% AMI (HUD). Per TAP program page (2024 HOME limits): 1=$48,800; 2=$55,800; 3=$62,750; 4=$69,700; 5=$75,300; 6=$80,900; 7=$86,450; 8=$92,050. Updated annually by HUD; FY2025 Roanoke MSA HOME 80% 4-person ~$72,500. 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。

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program的房价上限如下：Home value/sales price may not exceed 95% of area median sales price (HUD 203B limits), set annually by HUD. 符合条件的房屋类型包括Single Family、Townhouse、Condo、Modular、Manufactured和2-4 Unit。 新建房屋符合条件。 预制房屋符合条件。

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program服务于在Roanoke，Virginia购房的购房者。 该项目针对特定区域：DHCD designates certain localities high-cost/chronically economically depressed, where assistance may reach 15% of sales price (in TAP's area: Craig, Rockbridge, Salem).

TAP (Total Action for Progress) HOMEownership Down Payment & Closing Cost Assistance Program的申请通过Total Action for Progress (TAP into Hope), DHCD-designated regional DPA provider for the Roanoke Valley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 after lender pre-approval and DPA eligibility; processed via DHCD CAMS.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。