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)
- Magkaroon ng 12 buwan ng tuluy-tuloy na full-time na permanenteng trabaho
- Have a performance appraisal in good standing.
Mga Kinakailangan sa Kita
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.
| Pinakamataas na Kabuuang Kita ng Sambahayan | Presyo ng Pagbebenta/Limit sa Pautang | |
|---|---|---|
| Bago at Umiiral na Konstruksyon | ||
| $175,000 | $550,000 | |
Virginia Housing’s income limits for Richmond area.
Mga Hakbang ng HOME sa Homeownership.
Kung kwalipikado ka, sundin ang mga hakbang sa ibaba:
- Complete the HOME workshop.
- Complete Survey Monkey, acknowledging additional program requirements.
- Complete HR eligibility letter, which will include the application link.
- Magsumite ng isang application. Punan ang impormasyon sa ibaba, pagkatapos ay magpatuloy sa online na aplikasyon. Maglaan ng hanggang 10 araw ng negosyo para maproseso namin ang iyong aplikasyon.
- 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.
- Ayusin mo ang iyong mga gawain. Magtatag at sundin ang isang plano sa paggastos, makatipid ng pera, at makipagkita sa iyong tagapayo para sa mga karagdagang sesyon.
- Hanapin at bilhin ang iyong bahay. Sa oras na ito malalaman mo na kung paano magtrabaho sa isang ahente ng real estate, kung ano ang hahanapin, kung paano makakuha ng magandang mortgage, at kung ano ang aasahan sa pagsasara kapag pinirmahan mo ang mga dokumento ng pautang at tinapos ang pagbili ng iyong bahay.
- 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. -
