Workforce Housing Program - For-Sale Component

Workforce Housing Program - For-Sale Component是面向Virginia Beach，Virginia购房者的增值共享贷款，由City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP)管理。 The City of Virginia Beach's Workforce Housing Program (For-Sale Component) helps income-eligible working households (80-120% AMI) buy newly built, for-sale workforce housing units priced below market. The buyer pays the discounted price with their own first mortgage while the City provides a 0%-interest, no-payment second mortgage equal to the discount, repaid only on resale or transfer with the City's proportional share of net appreciation. Buyers must occupy the home as their primary residence, live or work in Virginia Beach, and complete homebuyer education. Buy a new home at a discount of up to 25% below market. City-provided 0% interest second mortgage with no monthly payments. No repayment until resale or transfer. City may waive part of its appreciation share to prevent a loss. 资金来自Workforce Housing Revolving Fund (recaptured WFH discounts, fees, and shared net appreciation); City may also make available CDBG and HOME funds。

Workforce Housing Program - For-Sale Component是增值共享贷款，按City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP)设定的条款偿还。 触发还款的情形：Due and payable from the proceeds of resale or transfer of the WFH Unit. Owner may not repay the second deed of trust until the unit is resold. On resale the owner repays the full principal of the WFH Discount plus the City's proportional share of net appreciation. 该援助以Second (subordinate only to the purchase-money first 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。

Workforce Housing Program - For-Sale Component面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Mandatory homebuyer education; the City provides a list of local homebuyer education classes (e.g., Virginia Housing, NACA).提供。 居住要求：At least one borrower must live or work full-time in Virginia Beach, or have a bona fide full-time job offer in the City starting within 3 months of application. City holds an exclusive right to purchase up to 1/3 of WFH units in a development. Buyer must apply for a mortgage within 5 days of signing a sales contract; annual owner-occupancy certification; City right of first refusal before resale. Net worth cap 50% of unit sales price (with exclusions). Refinancing requires prior DHNP Director approval.

Workforce Housing Program - For-Sale Component将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household combined annual gross income must be between 80% and 120% of AMI, adjusted for household size. WFH Income Guidelines (adopted Oct 20 2025; HUD AMIs eff. Apr 1 2025; VB-Norfolk-Newport News MSA; 4-person median $106,500): 120% 4p $127,800; 110% 4p $117,150; 100% 4p $106,500; 90% 4p $95,850; 80% 4p $85,200 (full table by 1-6 persons in source). 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6。 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。

Workforce Housing Program - For-Sale Component将房价上限设为$452,667。 符合条件的房屋类型包括Single Family、Townhouse、Condo和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

Workforce Housing Program - For-Sale Component服务于在Virginia Beach，Virginia购房的购房者。 该项目针对特定区域：WFH units built in Strategic Growth Areas (Burton Station, Centerville, Newtown, Pembroke, Resort, Rosemont). Excluded: Accident Potential Zones, Noise Zones 65-70 dB DNL+, and R-10 through R-40 districts.

Workforce Housing Program - For-Sale Component的申请通过City of Virginia Beach Department of Housing and Neighborhood Preservation (DHNP)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DHNP maintains a waiting list of pre-screened Eligible Buyers; next Eligible Buyer is verified, issued a Certificate of Eligible Buyer Status, and has 7 days to decide to purchase.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。