Passaic County Habitat for Humanity Homeownership Program

Passaic County Habitat for Humanity Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Paterson, New Jersey, a cargo de Passaic County Habitat for Humanity. Passaic County Habitat for Humanity (headquartered in Paterson) builds and sells homes to low- to moderate-income families in Passaic County, including Paterson. Homes are sold with an income-based, affordable mortgage (monthly payment must not exceed 30% of gross household income). Eligible applicants must demonstrate need for housing, ability to pay an affordable mortgage, and willingness to partner (contribute 200 sweat equity hours per household). No traditional down payment required — sweat equity substitutes. Below-market affordable mortgage with monthly payment capped at 30% of gross household income. No traditional down payment requirement (sweat equity substitutes). 200+ hours sweat equity required per household. Homebuyer education required.

Passaic County Habitat for Humanity Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Passaic County Habitat for Humanity. 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.

Passaic County Habitat for Humanity 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: Must not have owned for at least 3 years. Sobre el crédito, el programa indica: Credit used as basis for creditworthiness; bad debt must be less than $1,000 (excluding medical). Se requiere un curso de educación para compradores de vivienda. Ciudadanía o situación migratoria: U.S. citizen or Permanent Resident required. Must complete 200 sweat equity hours per household. Must not have owned a home in the past 3 years. Bad debt must be less than $1,000, excluding medical collections. Cannot be in bankruptcy (must be discharged at least 3 years). Cannot have been foreclosed upon in past 7 years. Must be U.S. citizen or Permanent Resident. Mortgage payment cannot exceed 30% of total monthly income. Income guidelines set per application cycle.

Passaic County Habitat for Humanity Homeownership Program fija su límite de ingresos así: Income guidelines set per application cycle; both minimum and maximum income required based on household size. All income from all adult household members included. El límite se aplica al ingreso total del hogar, no solo al del prestatario. 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.

Passaic County Habitat for Humanity Homeownership Program se puede usar para single_family y condo. La construcción nueva es elegible.

Passaic County Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Paterson, New Jersey.

Las solicitudes de Passaic County Habitat for Humanity Homeownership Program se tramitan a través de Passaic County Habitat for Humanity, 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.