Habitat for Humanity of Greater Charlottesville Homeownership Program

Habitat for Humanity of Greater Charlottesville Homeownership Program es una primera hipoteca para compradores de vivienda en Charlottesville, Virginia, a cargo de Habitat for Humanity of Greater Charlottesville. Habitat for Humanity of Greater Charlottesville partners with qualifying low-income families to purchase a Habitat-built or rehabilitated 2/3/4-bedroom home with an affordable mortgage where the monthly payment is no more than 30% of gross monthly income. Homebuyers earn sweat equity by volunteering on construction sites and in ReStores, and by attending homebuyer education and financial coaching, in lieu of a traditional cash down payment. Habitat sells homes at no profit and does not require good credit at application. Affordable mortgage (payment capped at 30% of gross income). No traditional down payment required (sweat equity). Good credit not required at application. Homebuyer education and monthly financial coaching. Home sold at no profit by Habitat. Los fondos provienen de Habitat for Humanity of Greater Charlottesville (volunteer labor, donations, no-profit home sale model).

Habitat for Humanity of Greater Charlottesville Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Habitat for Humanity of Greater Charlottesville. El reembolso se activa por Habitat holds the affordable mortgage; sale or transfer triggers payoff per Habitat's mortgage and any resale/shared-appreciation provisions in the deed (specific resale formula not published). La ayuda se registra con un gravamen en posición First. 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 Charlottesville 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: Eligible if applicant has not owned a home within the last 3 years. Sobre el crédito, el programa indica: Good credit not required at time of application; Habitat works with applicants to improve financial health. Se requiere un curso de educación para compradores de vivienda, a través de Habitat for Humanity of Greater Charlottesville homebuyer education classes and monthly financial coaching meetings. Requisito de residencia: Must have lived or worked in Charlottesville, Albemarle, Greene, or Louisa for at least the previous 12 months. Applications run in cycles - as of this review the online application is temporarily closed (most recent cycle deadline October 25, 2025); a Homeownership Interest Form remains open continuously. Requires 12-month live/work history in Charlottesville, Albemarle, Greene, or Louisa; household income 25-60% AMI; first-time buyer or no homeownership in last 3 years; sweat-equity hours and homebuyer education.

Habitat for Humanity of Greater Charlottesville 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 (before taxes/deductions) at or below 60% of Charlottesville Area Median Income (2025), by household size (monthly): 1 person $4,405; 2 $5,035; 3 $5,665; 4 $6,290; 5 $6,795; 6 $7,300; 7 $7,800; 8 $8,305. 4-person annualized approx. $75,480. Income should fall between 25% and 60% AMI. 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.

Habitat for Humanity of Greater Charlottesville Homeownership Program limita el precio de compra así: N/A - homes are built/rehabbed and sold by Habitat at no profit with an affordable mortgage. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Habitat for Humanity of Greater Charlottesville Homeownership Program atiende a compradores de vivienda que compran en Charlottesville, Virginia.

Las solicitudes de Habitat for Humanity of Greater Charlottesville Homeownership Program se tramitan a través de Habitat for Humanity of Greater Charlottesville, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Cyclical application: Homeownership Interest Form, Application Information Meeting (AIM), AIM quiz, online application, financial interview, home pre-selection, Board approval. 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.