Homeownership Program

Homeownership Program은(는) Savannah, Georgia 주택 구매자를 위한 보조금입니다. Coastal Empire Habitat for Humanity (Habitat Savannah) is a Habitat for Humanity affiliate building and selling affordable homes to low-income partner families in the Coastal Empire (Bryan, Chatham, and Liberty Counties) of Georgia. Partner families must live or work in the Coastal Empire for at least 12 of the preceding 24 months, be U.S. legal residents, demonstrate need and fiscal readiness, and partner with Habitat through a home-site visit, sweat-equity labor, and homebuyer education courses. Habitat originates an affordable first mortgage (below-market interest, payment capped at ~30% of income) and takes a soft second mortgage for the appraisal gap. Income must fall between 35% and 80% AMI for Chatham County. Applicants out of Chapter 7 bankruptcy at least 5 years or Chapter 13 at least 1 year. Family Selection Committee reviews and recommends families to the Board of Directors. This is a homeownership program with built-in DPA-style subsidies (categorized in this database as 'Both' DPA + 1st-mortgage origination). Habitat for Humanity affiliate Coastal Empire Habitat for Humanity builds and rehabilitates homes and sells them to qualified low-income partner families using a Habitat-originated affordable mortgage (historically 0% interest, capped at no more than 30% of household income for PITI). Includes hands-on partnership: home site visit, sweat-equity hours, and required homebuyer education courses. Below-market mortgage structure functions as substantial built-in down payment assistance and gap subsidy. 재원은 Habitat for Humanity International / Coastal Empire Habitat for Humanity (charitable donations, ReStore proceeds, volunteer labor); supplemented by HUD HOME, CDBG, FHLB Atlanta, and other grant sources.에서 나옵니다.

Homeownership Program은(는) 보조금 형태이므로 상환하지 않습니다. 상환 사유: Sale, transfer of title, refinance, or failure to occupy as primary residence triggers repayment of the Habitat first mortgage and recapture of any soft-second appraisal-gap mortgage. Standard Habitat affordability covenants typically run for 30 years (length of first mortgage). 지원금은 1 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Homeownership Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Family must demonstrate need; current housing must be substandard, overcrowded, unaffordable, or inadequate. Bankruptcy look-back: 5 years out of Chapter 7; 1 year out of Chapter 13. 신용에 대해 프로그램은 다음과 같이 명시합니다: No published minimum FICO. Habitat evaluates 'fiscal readiness' (steady employment, reasonable income, low debt, no recent bankruptcies). 주택 구매자 교육 이수가 필요하며, Habitat-required homebuyer education courses provided by Coastal Empire Habitat for Humanity. Topics include budgeting, home maintenance, and financial readiness.을(를) 통해 받습니다. 거주 요건: Applicant must live or work in the Coastal Empire (Bryan, Chatham, or Liberty County, Georgia) for at least 12 of the preceding 24 months at the time of application submission. Property is located in the Coastal Empire region. 시민권 또는 이민 신분: Must be a legal resident of the United States. Applicant must live or work in the Coastal Empire (Bryan, Chatham, or Liberty County) for at least 12 of the preceding 24 months at the time of application submission. Must be a legal resident of the United States. Must demonstrate need for adequate, decent housing (current substandard, overcrowded, unaffordable, or inadequate housing). Must demonstrate fiscal readiness with steady employment, reasonable income, and low debt. Must be willing to partner with Habitat for Humanity Savannah by participating in a home site visit, completing sweat-equity hours, and attending homebuyer education courses. Must be dismissed (or out) for 5 years from Chapter 7 bankruptcy or 1 year from Chapter 13 bankruptcy. Family Selection Committee reviews applications and recommends partner families to the Board of Directors.

Homeownership Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must fall between 35% and 80% AMI for Chatham County (Savannah, GA MSA), per HUD limits. FY2025 80% AMI by household size: 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. Applicant must show income between 35% and 80% AMI; insufficient income (below 35%) means inability to repay; above 80% disqualifies for Habitat program (referral to other programs). 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 프로그램에 명시된 최대 가구 규모는 8명입니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Homeownership Program의 구매 가격 상한은 다음과 같습니다: Sales price equals Habitat's cost basis (construction/rehabilitation cost) which is typically below market value. Habitat takes a soft second mortgage to capture the gap between sales price and appraised value (recoverable on sale). 대상 주택 유형: Habitat-built or Habitat-rehabilitated single-family detached home in the Coastal Empire (typically Chatham County). 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Homeownership Program은(는) Savannah, Georgia에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Coastal Empire region of Georgia: Bryan, Chatham, and Liberty Counties. Most builds are in Chatham County (Savannah).

Homeownership Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Applicant submits Application via habitatsavannah.org/application.html. Family Selection Committee reviews based on need, ability to pay, and willingness to partner. If applicant meets minimum requirements, committee schedules a home visit at current residence. Final review and recommendation to Board of Directors. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.