Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program은(는) Newport News, Virginia 주택 구매자를 위한 선순위 모기지이며, Habitat for Humanity Peninsula and Greater Williamsburg에서 운영합니다. Habitat for Humanity Peninsula and Greater Williamsburg's First-Time Homebuyer Program helps lower-income families buy a newly constructed or renovated Habitat home financed with a zero-interest-equivalent (0%) 20-to-30-year mortgage. The affordable payment — no more than 30% of gross income including taxes and insurance — functions as the assistance in lieu of a separate down payment loan. There is no cash down payment; buyers complete at least 300 hours of sweat equity and required homebuyer education. Applications are accepted during an annual April round (2026 round closed; next opens April 2027). Zero-interest-equivalent (0%) affordable mortgage. no cash down payment. payment capped at 30% of income incl. taxes/insurance. brand-new or renovated home. homebuyer education and financial literacy training. 재원은 Donations, sponsors, and Habitat affiliate funds; homes built with volunteer and sweat-equity labor.에서 나옵니다.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program은(는) 선순위 모기지이며 Habitat for Humanity Peninsula and Greater Williamsburg에서 정한 조건에 따라 상환합니다. 상환 사유: Affordable, zero-interest-equivalent monthly mortgage payments over a 20-30 year term; the home is purchased, not granted. 지원금은 First 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Cannot have owned a home within the past three years. 신용에 대해 프로그램은 다음과 같이 명시합니다: No minimum credit score stated. Clean credit history required: unpaid collections/charge-offs/judgments/liens satisfied; no late loan/credit payments in last 12 months; 2+ years past any bankruptcy discharge with re-established credit. 주택 구매자 교육 이수가 필요하며, Habitat for Humanity Peninsula and Greater Williamsburg (homebuyer education and financial literacy classes required before purchase).을(를) 통해 받습니다. 거주 요건: Must live or work for at least one year in Hampton, James City County, Newport News, Poquoson, Williamsburg, York County, Charles City County, or New Kent County. 300-hour sweat-equity requirement; first-time (no ownership in past 3 years); must live/work in service area 1+ year; clean credit; DTI under 40% with Habitat mortgage; income within published min/max. $55/applicant fee. James City County applicants purchase through the JCC Community Land Trust. Status: 2026 application period CLOSED; next round April 2027 (recurring program, not discontinued). Special-population flags set false (program open to all qualifying applicants, no population-specific carve-out).

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program의 소득 한도는 다음과 같습니다: Total annual gross income from all household members must fall between published minimum and maximum for household size. Max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. Min: 1=$29,840; 2=$34,080; 3=$38,360; 4=$42,600; 5=$46,040; 6=$49,440; 7=$52,840; 8=$56,240. 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.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program의 구매 가격 상한은 다음과 같습니다: Home sold at an affordable price so the zero-interest payment (incl. taxes/insurance) is no more than 30% of buyer income. 대상 주택 유형: Single Family. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program은(는) Newport News, Virginia에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Current build cycle targets Charles City County, Hampton, and James City County (2026 application round / 2027 construction).

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program 신청은 Habitat for Humanity Peninsula and Greater Williamsburg을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Annual open application round each April (2026 round closed April 30, 2026; next round April 2027). Family Selection Committee reviews based on need, ability to pay, and lots available. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.