Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program هو رهن عقاري أول لمشتري المنازل في Newport News، Virginia، وتديره Habitat for Humanity Peninsula and Greater Williamsburg. Habitat for Humanity Peninsula and Greater Williamsburg's First-Time Homebuyer Program helps lower-income families buy a newly constructed or renovated Habitat home financed with a zero-interest-equivalent (0%) 20-to-30-year mortgage. The affordable payment — no more than 30% of gross income including taxes and insurance — functions as the assistance in lieu of a separate down payment loan. There is no cash down payment; buyers complete at least 300 hours of sweat equity and required homebuyer education. Applications are accepted during an annual April round (2026 round closed; next opens April 2027). Zero-interest-equivalent (0%) affordable mortgage. no cash down payment. payment capped at 30% of income incl. taxes/insurance. brand-new or renovated home. homebuyer education and financial literacy training. يأتي التمويل من Donations, sponsors, and Habitat affiliate funds; homes built with volunteer and sweat-equity labor.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها Habitat for Humanity Peninsula and Greater Williamsburg. يُستحق السداد عند Affordable, zero-interest-equivalent monthly mortgage payments over a 20-30 year term; the home is purchased, not granted. تُسجَّل المساعدة في مرتبة الرهن: First. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Cannot have owned a home within the past three years. بشأن الائتمان، ينص البرنامج على: No minimum credit score stated. Clean credit history required: unpaid collections/charge-offs/judgments/liens satisfied; no late loan/credit payments in last 12 months; 2+ years past any bankruptcy discharge with re-established credit. يلزم إكمال دورة لمشتري المنازل، عبر Habitat for Humanity Peninsula and Greater Williamsburg (homebuyer education and financial literacy classes required before purchase). شرط الإقامة: Must live or work for at least one year in Hampton, James City County, Newport News, Poquoson, Williamsburg, York County, Charles City County, or New Kent County. 300-hour sweat-equity requirement; first-time (no ownership in past 3 years); must live/work in service area 1+ year; clean credit; DTI under 40% with Habitat mortgage; income within published min/max. $55/applicant fee. James City County applicants purchase through the JCC Community Land Trust. Status: 2026 application period CLOSED; next round April 2027 (recurring program, not discontinued). Special-population flags set false (program open to all qualifying applicants, no population-specific carve-out).

يحدد Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program حد الدخل على النحو التالي: Total annual gross income from all household members must fall between published minimum and maximum for household size. Max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. Min: 1=$29,840; 2=$34,080; 3=$38,360; 4=$42,600; 5=$46,040; 6=$49,440; 7=$52,840; 8=$56,240. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program حدًا لسعر الشراء على النحو التالي: Home sold at an affordable price so the zero-interest payment (incl. taxes/insurance) is no more than 30% of buyer income. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program مشتري المنازل الذين يشترون في Newport News، Virginia. يستهدف البرنامج مناطق محددة: Current build cycle targets Charles City County, Hampton, and James City County (2026 application round / 2027 construction).

تُقدَّم طلبات Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program عبر Habitat for Humanity Peninsula and Greater Williamsburg، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Annual open application round each April (2026 round closed April 30, 2026; next round April 2027). Family Selection Committee reviews based on need, ability to pay, and lots available. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.