Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Cincinnati, Ohio, a cargo de Habitat for Humanity of Greater Cincinnati. Habitat for Humanity of Greater Cincinnati's Affordable Homeownership Program partners with applicants who demonstrate housing need, ability to repay an affordable 0% interest Habitat mortgage (payment up to 30% of income), and willingness to invest 200 hours of sweat equity (single applicant) or 300 hours (two-applicant household) plus completion of homeownership and Financial Peace University classes. There is no down payment, though buyers pay up to $1,000 toward the first year's homeowner's insurance premium. 0% interest mortgage with payment capped at 30% of income. No down payment (only up to $1,000 first-year insurance premium). Homebuyer & financial education. Sweat-equity homeownership. Los fondos provienen de Habitat affordable-mortgage revolving fund, donations, corporate/foundation sponsors.

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Habitat for Humanity of Greater Cincinnati. El reembolso se activa por Due on sale or transfer. 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 Greater Cincinnati Affordable 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 in the past 3 years (some exclusions). Sobre el crédito, el programa indica: No credit score used; credit report reviewed. No bankruptcy within past 3 years; no foreclosure within 3 years; no evictions within 12 months; no open judgments or liens; no more than $2,000 in uncollected past-due bad debt. Se requiere un curso de educación para compradores de vivienda, a través de Habitat for Humanity of Greater Cincinnati (homeownership classes and Financial Peace University). Requisito de residencia: Serves Greater Cincinnati region; must be willing to build/buy at available HFHGC build sites. Ciudadanía o situación migratoria: U.S. citizen or Legal Permanent Resident; two forms of ID required per applicant. Requires 200 hrs (1 applicant) or 300 hrs (2 applicants) sweat equity. No felony convictions for any household member over 18 within past 5 years. Buyer pays up to $1,000 toward first-year insurance in lieu of down payment. Applications currently CLOSED; reopen when build sites available (check the 10th of each month). Lien position, forgiveness years, max purchase price not published online (gaps).

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program limita el ingreso del hogar al 60% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income must fall between minimum and maximum monthly gross income by household size (approx. 30-60% AMI). Monthly max: 1 $5,129; 2 $5,863; 3 $6,596; 4 $7,325; 5 $7,913; 6 $8,500; 7 $9,083; 8 $9,671. 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 Greater Cincinnati Affordable Homeownership Program se puede usar para Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program atiende a compradores de vivienda que compran en Cincinnati, Ohio. El programa se dirige a áreas específicas: Current build sites in the Greater Cincinnati area (e.g., Pope Leo Village).

Las solicitudes de Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program se tramitan a través de Habitat for Humanity of Greater Cincinnati, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Applications accepted only when build sites are available; check website on the 10th of each month; no waiting list. 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.