Habitat for Humanity DC-NOVA Homeownership Program

Habitat for Humanity DC-NOVA Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Washington, District of Columbia, a cargo de Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA). Habitat for Humanity DC-NOVA sells volunteer-built and restored homes in DC (and Northern Virginia) at no profit and below market value to qualified low-to-moderate income first-time buyers. Applicants must fall between 30% and 80% of area MFI, qualify for a non-subprime mortgage, demonstrate a housing need, complete pre- and post-purchase financial education, and contribute 300 hours of sweat equity. Buyers typically pair their mortgage with local DPA such as DC's HPAP. Homes sold below market value at no profit. Affordable monthly mortgage payment. Pre- and post-purchase financial education. Guidance through financing and DPA (e.g., HPAP). No waiting list. Los fondos provienen de Donor and pro-bono partner supported; homes built/restored by volunteers and sold at no profit.

Habitat for Humanity DC-NOVA Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA). El reembolso se activa por Habitat sells volunteer-built/restored homes at no profit and below market value; buyer obtains an affordable, non-subprime mortgage. Subsidy delivered as below-market pricing. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Habitat for Humanity DC-NOVA Homeownership Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time homebuyer = not having owned real estate in the last 3 years. Sobre el crédito, el programa indica: Tri-merge middle credit score of 620+. No bankruptcy in the last 3 years and no foreclosures in the last 7 years; no unpaid collections, judgments, or liens. Se requiere un curso de educación para compradores de vivienda, a través de Habitat DC-NOVA pre- and post-purchase financial education classes. Requisito de residencia: Primary residency OR at least one applicant with full-time employment in DC, Fairfax County, Arlington County, City of Fairfax, or City of Falls Church (this entry covers DC-located Habitat homes). Must complete 300 hours of sweat equity. Must attend an information session before applying. Must demonstrate housing need; 2-year work history; income expected to continue 3+ years; no household member on the sex offender registry. Gaps: assistance amount is embedded in below-market pricing (not a fixed DPA dollar figure); exact resale terms not published.

Habitat for Humanity DC-NOVA Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Total household income must fall between 30% and 80% of Median Family Income (MFI). Per Habitat's 2025 requirements (100% MFI = $154,700): 4-person range is $49,200 (min) to $131,120 (max, ~80% MFI). 8-person max is $173,078. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Habitat for Humanity DC-NOVA Homeownership Program limita el precio de compra así: Homes sold below market value at no profit; price varies by home. Los tipos de propiedad elegibles incluyen Single Family, Townhome y Condo. La construcción nueva es elegible.

Habitat for Humanity DC-NOVA Homeownership Program atiende a compradores de vivienda que compran en Washington, District of Columbia.

Las solicitudes de Habitat for Humanity DC-NOVA Homeownership Program se tramitan a través de Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Applications accepted first-come, first-served and processed when complete. Applicant must attend an information session before applying; reviewed by staff and Board. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.