Habitat for Humanity of Madison and Clark Counties - Homeownership Program

Habitat for Humanity of Madison and Clark Counties - Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Richmond, Kentucky, a cargo de Habitat for Humanity of Madison and Clark Counties, Inc. Affordable homeownership program in which qualified low-income partner families purchase a newly built Habitat home with an affordable 20-30 year mortgage held by the affiliate. Families invest a minimum of 350 sweat-equity hours, complete homeowner education classes and one-on-one financial counseling, and are paired with a mentor. Serves Madison and Clark Counties, KY (Berea, Richmond, Winchester). Equal Housing Opportunity. Affordable Habitat-held mortgage (20-30 year term). No large down payment required (sweat equity in lieu of down payment). Homeowner education and one-on-one financial counseling.

Habitat for Humanity of Madison and Clark Counties - Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Habitat for Humanity of Madison and Clark Counties, Inc.. El reembolso se activa por Standard mortgage repayment; affiliate retains a right of first refusal and owner-occupancy/resale restrictions until the mortgage is paid in full. 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 of Madison and Clark Counties - 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: Applicant must not have owned a home in the last three years. Sobre el crédito, el programa indica: Credit score of at least 600 (or three tradelines). Collections of $5,000 automatically disqualify; medical collections accepted only if not over $2,500; collections (excluding $2,500 or less medical) must be paid in full within 90 days of conditional board approval. Bankruptcy discharged at least 36 months; foreclosures settled at least 60 months; repossessions at least 18 months old; no unresolvable liens/judgments. Se requiere un curso de educación para compradores de vivienda, a través de Habitat for Humanity of Madison and Clark Counties (in-house homeowner education classes and one-on-one financial counseling). Requisito de residencia: Must have lived or worked in Madison or Clark County, KY for one continuous year prior to application. Ciudadanía o situación migratoria: Proof of U.S. citizenship or legal residency required. staged from primary sources (hfhmcc.org); verify before publishing. Habitat affiliate operates as Madison & Clark Counties (NOT the New York madisoncountyhabitat.org). Mortgage rate/lien terms not published; left blank.

Habitat for Humanity of Madison and Clark Counties - Homeownership Program limita el ingreso del hogar al 60% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Maximum (2025): household gross annual income must not exceed 60% of area median income for similar-size families in the county. Minimum: gross monthly income at least $2,400 and annual income at least $28,800 in the prior 12 months. Madison County max by household size: 1=$49,500; 2=$56,600; 3=$63,650; 4=$70,700; 5=$76,400; 6=$82,050; 7=$87,700; 8=$93,350. Clark County 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. $28,800 floor. 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 of Madison and Clark Counties - Homeownership Program se puede usar para Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Habitat for Humanity of Madison and Clark Counties - Homeownership Program atiende a compradores de vivienda que compran en Richmond, Kentucky.

Las solicitudes de Habitat for Humanity of Madison and Clark Counties - Homeownership Program se tramitan a través de Habitat for Humanity of Madison and Clark Counties, Inc., que publica los términos vigentes y los pasos de la solicitud en su propio sitio. 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.