Richmond Employee Homebuyers
Richmond Employee Homebuyer Assistance Program
The City of Richmond homebuyer downpayment assistance program is offered to employees of City of Richmond to purchase within the limits of the City of Richmond. To qualify for this program, you must:
- Be a full-time City of Richmond Employee
- Be a first-time home buyer (or must not have owned a home in the last 3 years)
- Tener 12 meses ininterrumpidos de empleo permanente a tiempo completo
- Have a performance appraisal in good standing.
Requisitos de ingresos
To participate in Richmond Employee Homebuyer Assistance Program and qualify for downpayment assistance, applicant(s) purchasing the home must have a combined annual household income under the maximum income limits in the chart below.
| Renta familiar bruta máxima | Precio de venta/Límite del préstamo | |
|---|---|---|
| Construcción nueva y existente | ||
| $175,000 | $550,000 | |
Virginia Housing’s income limits for Richmond area.
Los pasos de HOME para ser propietario de una casa.
Si cumple los requisitos, siga los pasos que se indican a continuación:
- Complete the HOME workshop.
- Complete Survey Monkey, acknowledging additional program requirements.
- Complete HR eligibility letter, which will include the application link.
- Presente una solicitud. Rellene la información que figura a continuación y pase a la solicitud en línea. Permítanos hasta 10 días hábiles para procesar su solicitud.
- Once your application is accepted, complete HOME’s homebuyer education course.
- Complete your intake. Once your homebuyer education is completed, specific documents will be requested and must be received prior to scheduling an intake appointment.
- Meet your counselor. Schedule your housing counseling appointment. During the appointment you will discuss your financial situation, what you will need to do to become fully ready to purchase a home, and how much of a mortgage loan your budget can accommodate. Also, how to access down payment and closing cost financial assistance.
- Ponga sus asuntos en orden. Establezca y siga un plan de gastos, ahorre dinero y reúnase con su consejero para sesiones adicionales.
- Encuentra y compra tu casa. Para entonces sabrá cómo trabajar con un agente inmobiliario, qué buscar, cómo conseguir una buena hipoteca y qué esperar en el cierre cuando firme los documentos del préstamo y finalice la compra de su casa.
- Celebrate and enjoy your new home! Make sure you let us know how you are doing. We are here to help you past any bumps along the road!
This program is ONLY for City of Richmond employees that have received an eligibility letter.
To receive more information and to apply, please contact City of Richmond’s Human Resources Department at HRBenefits@rva.gov or (804) 646-4700. -
