Virginia Individual Development Accounts (VIDA)

Virginia Individual Development Accounts (VIDA)是面向Norfolk，Virginia购房者的延期第二贷款。 VIDA is a Virginia DHCD-funded matched savings (IDA) program; NRHA is one of the program's local administrators. Eligible first-time homebuyers save up to $2,000 over 6-24 months and receive a 2:1 match (up to $4,000), for a total $6,000 usable for home purchase down payment and closing costs. Virginia Individual Development Accounts (VIDA) is a state-funded matched-savings program: participants save up to $2,000 over a minimum 6-month period (typically 6-24 months) and receive a $2-for-$1 state match (up to $4,000), for a total of up to $6,000 toward home purchase, business start-up, or post-secondary education. NRHA is one of several VIDA program partner sites in Virginia and offers VIDA matched savings for first-time homebuyers in the Norfolk/Hampton Roads region. 资金来自Virginia DHCD (state general funds plus federal AFI/Assets for Independence funds historically); administered locally by NRHA。

Virginia Individual Development Accounts (VIDA)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：Match funds are not repaid if used for qualified asset (home, business, education)和withdrawn for non-qualified use must be returned。 该援助以N/A (grant match, not 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。

Virginia Individual Development Accounts (VIDA)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 required for home purchase use。 关于信用，该项目说明：No VIDA-specific minimum; first-mortgage product overlay applies for home purchase use。 须参加购房者教育课程，由VIDA-required financial education and asset-specific training (homeownership counseling); HUD-approved homebuyer education for purchase use提供。 居住要求：Virginia resident; property must be in Virginia for home purchase use。 公民身份或移民身份：U.S. citizen or qualified alien。 Participant must have earned income and household income at or below 200% of federal poverty level OR 80% AMI (per VIDA program rules). Net household worth under $10,000 excluding primary vehicle and primary residence. Must complete required financial education curriculum and asset-specific training. Savings deposits made monthly into a dedicated VIDA savings account. Match released at qualified asset purchase (home, business, or education). Limits per VIDA state guidance from DHCD.

Virginia Individual Development Accounts (VIDA)将家庭收入限制在地区收入中位数的200%，该数值因县和家庭人数而异。 VIDA eligibility: household income at or below 200% federal poverty level OR 80% AMI per state DHCD VIDA program rules. Asset cap: net household worth under $10,000 (excluding primary residence/vehicle). 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。

Virginia Individual Development Accounts (VIDA)可用于Single-family detached, townhomes, condos (must be primary residence)。 新建房屋符合条件。 预制房屋符合条件。

Virginia Individual Development Accounts (VIDA)在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Virginia Individual Development Accounts (VIDA)服务于在Norfolk，Virginia购房的购房者。

Virginia Individual Development Accounts (VIDA)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Open enrollment subject to available match dollars; 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。