CommunityWorks Down Payment Assistance Loan

CommunityWorks Down Payment Assistance Loan是面向Charleston，West Virginia购房者的需偿还的第二贷款，由CommunityWorks in West Virginia, Inc. (CWWV)管理。 CommunityWorks in West Virginia, a statewide certified CDFI and NeighborWorks affiliate, offers down payment assistance loans of up to $30,000 with terms up to 30 years to low- and moderate-income buyers (below 80% of HUD income limits). The DPA loan helps cover the initial down payment barrier and is typically paired with CWWV's own Home Purchase Loan. Homebuyer education through eHome America is required. Up to $30,000 DPA. Terms up to 30 years. Statewide availability. Pairs with CWWV first mortgage. HUD-certified housing counseling. 资金来自CDFI / NeighborWorks America (CWWV is a certified CDFI and NeighborWorks affiliate)。

CommunityWorks Down Payment Assistance Loan提供最高$30,000的援助。 该项目可与CWWV Home Purchase Loan or other first mortgages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CommunityWorks in West Virginia, Inc. (CWWV)决定。

CommunityWorks Down Payment Assistance Loan是需偿还的第二贷款，按CommunityWorks in West Virginia, Inc. (CWWV)设定的条款偿还。 触发还款的情形：Amortizing monthly payments over term。 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。

CommunityWorks Down Payment Assistance Loan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eHome America (CWWV's signature Homebuyer Education course, $99)提供。 居住要求：West Virginia (statewide service area)。 Interest rate, exact repayment structure, lien position and max purchase price are not published on the official site and should be confirmed with CWWV at intake. $100 course fee referenced in counseling materials; First-Time-Homebuyer page lists $99 eHome America course.和DATA NOTES: dpa_interest_rate: Subsidized/below-market (rate not published on site).

CommunityWorks Down Payment Assistance Loan的收入限制如下：Borrowers must be below 80% of HUD income guidelines for household size; uses HUD HOME income limits。 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。

CommunityWorks Down Payment Assistance Loan的房价上限如下：Not published; tied to CWWV underwriting。 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

CommunityWorks Down Payment Assistance Loan服务于在Charleston，West Virginia购房的购房者。

CommunityWorks Down Payment Assistance Loan的申请通过CommunityWorks in West Virginia, Inc. (CWWV)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。