Habitat for Humanity of Greater Charlottesville Homeownership Program

Habitat for Humanity of Greater Charlottesville Homeownership Program هو رهن عقاري أول لمشتري المنازل في Charlottesville، Virginia، وتديره Habitat for Humanity of Greater Charlottesville. Habitat for Humanity of Greater Charlottesville partners with qualifying low-income families to purchase a Habitat-built or rehabilitated 2/3/4-bedroom home with an affordable mortgage where the monthly payment is no more than 30% of gross monthly income. Homebuyers earn sweat equity by volunteering on construction sites and in ReStores, and by attending homebuyer education and financial coaching, in lieu of a traditional cash down payment. Habitat sells homes at no profit and does not require good credit at application. Affordable mortgage (payment capped at 30% of gross income). No traditional down payment required (sweat equity). Good credit not required at application. Homebuyer education and monthly financial coaching. Home sold at no profit by Habitat. يأتي التمويل من Habitat for Humanity of Greater Charlottesville (volunteer labor, donations, no-profit home sale model).

Habitat for Humanity of Greater Charlottesville Homeownership Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها Habitat for Humanity of Greater Charlottesville. يُستحق السداد عند Habitat holds the affordable mortgage; sale or transfer triggers payoff per Habitat's mortgage and any resale/shared-appreciation provisions in the deed (specific resale formula not published). تُسجَّل المساعدة في مرتبة الرهن: First. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Habitat for Humanity of Greater Charlottesville Homeownership Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Eligible if applicant has not owned a home within the last 3 years. بشأن الائتمان، ينص البرنامج على: Good credit not required at time of application; Habitat works with applicants to improve financial health. يلزم إكمال دورة لمشتري المنازل، عبر Habitat for Humanity of Greater Charlottesville homebuyer education classes and monthly financial coaching meetings. شرط الإقامة: Must have lived or worked in Charlottesville, Albemarle, Greene, or Louisa for at least the previous 12 months. Applications run in cycles - as of this review the online application is temporarily closed (most recent cycle deadline October 25, 2025); a Homeownership Interest Form remains open continuously. Requires 12-month live/work history in Charlottesville, Albemarle, Greene, or Louisa; household income 25-60% AMI; first-time buyer or no homeownership in last 3 years; sweat-equity hours and homebuyer education.

يحدد Habitat for Humanity of Greater Charlottesville Homeownership Program دخل الأسرة بما لا يتجاوز 60% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income (before taxes/deductions) at or below 60% of Charlottesville Area Median Income (2025), by household size (monthly): 1 person $4,405; 2 $5,035; 3 $5,665; 4 $6,290; 5 $6,795; 6 $7,300; 7 $7,800; 8 $8,305. 4-person annualized approx. $75,480. Income should fall between 25% and 60% AMI. 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.

يضع Habitat for Humanity of Greater Charlottesville Homeownership Program حدًا لسعر الشراء على النحو التالي: N/A - homes are built/rehabbed and sold by Habitat at no profit with an affordable mortgage. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Habitat for Humanity of Greater Charlottesville Homeownership Program مشتري المنازل الذين يشترون في Charlottesville، Virginia.

تُقدَّم طلبات Habitat for Humanity of Greater Charlottesville Homeownership Program عبر Habitat for Humanity of Greater Charlottesville، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Cyclical application: Homeownership Interest Form, Application Information Meeting (AIM), AIM quiz, online application, financial interview, home pre-selection, Board approval. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.