Iowa Valley Habitat for Humanity Homeownership Program

Iowa Valley Habitat for Humanity Homeownership Program هو مساعدة في الدفعة المقدمة لمشتري المنازل في Iowa City، Iowa، وتديره Iowa Valley Habitat for Humanity. Iowa Valley Habitat for Humanity builds and renovates affordable homes and sells them to income-qualified buyers with an affordable mortgage. Habitat secures financing through a partnership with local lenders and structures the payment so the homeowner spends no more than 30% of monthly income on housing costs. In lieu of a traditional down payment, each adult in the approved household contributes at least 250 hours of sweat equity and completes required education. Mortgage length is determined by income and terms are based on the buyer's credit score; no prepayment penalty. Serves Johnson, Cedar, Iowa, and Washington counties (criteria page also lists Louisa). Sale of a newly built or renovated home with an affordable mortgage. Housing payment capped at no more than 30% of monthly household income. 250 hours of sweat equity substitutes for a traditional cash down payment. Required financial literacy/homeowner education.

Iowa Valley Habitat for Humanity Homeownership Program هو مساعدة في الدفعة المقدمة ويُسدَّد وفق الشروط التي تحددها Iowa Valley Habitat for Humanity. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Iowa Valley Habitat for Humanity Homeownership Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Applicants must have an acceptable credit status; financing terms (rate) are based on credit score; no minimum score published. يلزم إكمال دورة لمشتري المنازل، عبر Horizons, A Family Service Alliance - Financial Wellness Center (HUD-accredited); plus Habitat classes on personal finance and home maintenance. شرط الإقامة: Must live OR work in an eligible county (Johnson, Cedar, Iowa, or Washington; Louisa also listed on criteria page) for at least one year. الجنسية أو وضع الهجرة: Must be a permanent legal U.S. resident or U.S. citizen. staged from primary sources (iowavalleyhabitat.org); verify before publishing. Income-limit table is published only as an image so exact dollar amounts could not be machine-read; 40-80% AMI band confirmed. Affiliate does not publish a silent-second structure, so assistance_type set to other.

يحدد Iowa Valley Habitat for Humanity Homeownership Program حد الدخل على النحو التالي: Household total gross income must fall within 40-80% of the Area Median Income of the county of residence; limits vary by household size and are published as a table image on the Criteria and Application page (exact dollar figures not machine-readable). All wages and benefits counted (SSI, SSDI, retirement, alimony, VA benefits, child support). HUD-based, subject to change. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام Iowa Valley Habitat for Humanity Homeownership Program لـSingle Family. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Iowa Valley Habitat for Humanity Homeownership Program مشتري المنازل الذين يشترون في Iowa City، Iowa.

تُقدَّم طلبات Iowa Valley Habitat for Humanity Homeownership Program عبر Iowa Valley Habitat for Humanity، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Wait list: applicants contact the office to be added; when a home can be built within 18-24 months the next names are invited to submit a completed application within 30 days. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.