Raritan Valley Habitat for Humanity Homeownership Program

Raritan Valley Habitat for Humanity Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Bedminster, New Jersey, a cargo de Raritan Valley Habitat for Humanity. Raritan Valley Habitat for Humanity creates affordable homeownership opportunities primarily in Hunterdon and Somerset Counties (preference for Middlesex County residents on some projects). Homes are sold at below-market prices with an affordable income-based mortgage, requiring no traditional down payment beyond ability to cover closing costs. Partner families contribute 200-400 sweat equity hours. Home purchase at affordable below-market price. Income-based affordable mortgage with monthly payments calibrated to household income. No traditional down payment requirement (ability to pay closing costs required). 200-400 sweat equity hours required. Mandatory orientation and financial education.

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

Raritan Valley 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 a home for at least 3 years. Se requiere un curso de educación para compradores de vivienda. Ciudadanía o situación migratoria: U.S. citizen or Permanent Resident. Must qualify as low-income per UHAC Region 3 (2025) limits. Income must support 30% gross income mortgage payment. DTI must be < 43% when future housing costs included. Must not have owned a home in past 3 years. Must be U.S. citizen or Permanent Resident. Out of bankruptcy at least 2 years AND out of foreclosure at least 2 years. Pre-qualification letter required. 200 sweat equity hours (single adult) or 400 (two adult). Mandatory orientation. Background/sex offender/OFAC checks on household members 18+. Preference for those who live/work in Hunterdon, Somerset, or Middlesex Counties.

Raritan Valley Habitat for Humanity Homeownership Program fija su límite de ingresos así: Must qualify as low-income per UHAC maximum levels for Region 3 (2025). Income includes all household members 18+. 3-person max: $69,050; 4-person: $76,700; 5-person: $82,850; 6-person: $89,000. 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.

Raritan Valley Habitat for Humanity Homeownership Program se puede usar para single_family. La construcción nueva es elegible.

Raritan Valley Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Bedminster, New Jersey.

Las solicitudes de Raritan Valley Habitat for Humanity Homeownership Program se tramitan a través de Raritan Valley 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.