Richmond Employee Homebuyers

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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)
  • 连续全职长期工作 12 个月
  • Have a performance appraisal in good standing.

 

收入要求

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.

最高家庭总收入 销售价格/贷款限额
新建和现有建筑
$175,000 $550,000

Virginia Housing’s income limits for Richmond area.

HOME的房屋所有权步骤。

如果您符合条件，请按以下步骤操作：

  1. Complete the HOME workshop.
  2. Complete Survey Monkey, acknowledging additional program requirements.
  3. Complete HR eligibility letter, which will include the application link.
  4. 提交申请。填写下面的信息，然后进入在线申请。请允许我们在10个工作日内处理您的申请。
  5. Once your application is accepted, complete HOME’s homebuyer education course.
  6. Complete your intake. Once your homebuyer education is completed, specific documents will be requested and must be received prior to scheduling an intake appointment.
  7. 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.
  8. 把你的事务安排好。建立并遵循一个消费计划，存钱，并与你的咨询师会面，进行额外的治疗。
  9. 寻找并购买你的房屋。到这个时候，你将知道如何与房地产经纪人合作，寻找什么，如何获得良好的抵押贷款，以及当你签署贷款文件和最终购买房屋时，在关闭时将会发生什么。
  10. 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.