You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance是面向Williamsburg; Poquoson，Virginia购房者的可免除贷款，由Hampton Roads Planning District Commission (HRPDC), Housing & Human Services管理。 The Hampton Roads Loan Fund Partnership ('You're HOME Hampton Roads'), administered by HRPDC using HUD HOME funds via Virginia DHCD, provides eligible first-time buyers a forgivable, no-interest soft-second of 10% of the sales price up to $14,500 when buying in James City County, York County, Gloucester County, Poquoson, or Williamsburg. Fully forgiven after a 5-year affordability period. Forgivable second-mortgage grant of 10% of price up to $14,500. 0% interest, no payments. fully forgiven after 5 years. 资金来自HUD HOME funds via Virginia DHCD。

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance提供最高$14,500的援助。 该项目要求购房者自付1% of sales price from buyer's own funds (documented buyer-paid expenses may count)。 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Hampton Roads Planning District Commission (HRPDC), Housing & Human Services决定。

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance在5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, lease, deed, or conveyance of all/part of the property or any interest within 5 years of closing places the note in default; after 5 years the note is cancelled. 该援助以Second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。

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance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：false。 须参加购房者教育课程，由Virginia Housing Homeownership Program first-time homebuyer education (in-person; certificate required).提供。 居住要求：Purchase and occupy as primary residence in James City County, York County, Gloucester County, Poquoson, or Williamsburg. 公民身份或移民身份：U.S. citizen or legal resident。 Bankruptcy discharged 3+ years. Buyer must be pre-approved by a Virginia Housing-approved lender and receive a DPA certification letter before ratifying a contract. Promissory note signed for the grant amount.

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance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 may not exceed 80% AMI by size (Rev. 05/2026 flyer: 4-person $86,150; 1-person $60,350; 8-person $113,750). 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。

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance可用于Single Family、Condo、Manufactured和New Construction。 新建房屋符合条件。 预制房屋符合条件。

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance服务于在Williamsburg; Poquoson，Virginia购房的购房者。 该项目针对特定区域：Targets neighborhoods/populations historically underserved by mortgage lenders; recipients are first-time buyers, ~2/3 racial minorities, ~half female-headed single-parent families.

You're HOME Hampton Roads - Hampton Roads Loan Fund Partnership (HRLFP) Down Payment & Closing Cost Assistance的申请通过Hampton Roads Planning District Commission (HRPDC), Housing & Human Services办理，该机构在其网站上公布现行条款和申请步骤。 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。