Virginia Individual Development Account (VIDA) Program (VHCDC)

Virginia Individual Development Account (VIDA) Program (VHCDC)是面向Suffolk，Virginia购房者的首付援助，由Virginia Housing and Community Development Corporation (VHCDC)管理。 VHCDC's Virginia Individual Development Account (VIDA) program is a matched-savings program that helps qualified first-time homebuyers save for a down payment. Eligible participants receive training, support, and match funding on their savings at a rate of $10 for every $1 saved, up to $10,000 in match. VIDA is offered in conjunction with VHCDC's Home Ownership Assistance Program (HOAP), and enrollees must complete 15 hours of housing counseling/education. Participants must purchase a home in Virginia within 24 months of enrollment. Matched savings ($10 match per $1 saved, up to $10,000 match). Financial education and counseling. Credit and budget coaching. Homebuyer education. 资金来自Virginia DHCD Virginia Individual Development Accounts (VIDA) program。

Virginia Individual Development Account (VIDA) Program (VHCDC)提供最高$10,000的援助。 购房者自付部分：Participant must make regular personal savings deposits (matched at 10:1). 该项目可与Can be combined with VHCDC HOMEownership DPA, Virginia Pilot DPA, SPARC, and Transition Assistance Grant (TAG)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Virginia Housing and Community Development Corporation (VHCDC)决定。

Virginia Individual Development Account (VIDA) Program (VHCDC)是首付援助，按Virginia Housing and Community Development Corporation (VHCDC)设定的条款偿还。 触发还款的情形：Matched funds must be used toward a qualifying home purchase; non-completion forfeits the match. 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。

Virginia Individual Development Account (VIDA) Program (VHCDC)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VHCDC First-Time Home Buyers College (15 hours of housing counseling and education)提供。 居住要求：Must be a resident of Hampton Roads, Central Virginia, Northern Virginia, or Southside Virginia (VHCDC service area) and purchase a home in Virginia. 公民身份或移民身份：Must be a U.S. citizen and 18 years or older. Matched-savings (IDA) program: $10 match per $1 saved up to $10,000. Eligibility: U.S. citizen, 18+, verifiable earned income, net worth under $10,000, less than $10,000 in liquid assets, meet VIDA income limits, complete the program within 24 months, purchase a home in Virginia, fully compliant with VHCDC VIDA enrollment policy. No special-population targeting.

Virginia Individual Development Account (VIDA) Program (VHCDC)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。 2025 Adjusted Household Income Limits (4-person): Accomack County $62,900; Hampton Roads $85,200; Franklin City $75,000; Henrico County $90,800; Isle of Wight County $85,200; Northampton County $68,300; Petersburg $90,800; Pittsylvania County $62,500; Richmond $90,800; Southampton County $75,000; Surry County $77,050; Northern VA/DC/MD $106,800. Full 1-8 person tables published on the program page. 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。

Virginia Individual Development Account (VIDA) Program (VHCDC)可用于Single Family、Condo和Townhouse。

Virginia Individual Development Account (VIDA) Program (VHCDC)服务于在Suffolk，Virginia购房的购房者。

Virginia Individual Development Account (VIDA) Program (VHCDC)的申请通过Virginia Housing and Community Development Corporation (VHCDC)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Enrollment through VHCDC HOAP; subject to funding availability.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。