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

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program é uma primeira hipoteca para compradores de imóveis em Newport News, Virginia, administrado por Habitat for Humanity Peninsula and Greater Williamsburg. 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. Os recursos vêm de Donations, sponsors, and Habitat affiliate funds; homes built with volunteer and sweat-equity labor.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program é uma primeira hipoteca e é reembolsado nas condições definidas por Habitat for Humanity Peninsula and Greater Williamsburg. O reembolso é acionado por Affordable, zero-interest-equivalent monthly mortgage payments over a 20-30 year term; the home is purchased, not granted. A ajuda é registrada como ônus em posição First. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: Cannot have owned a home within the past three years. Sobre crédito, o programa afirma: 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. É exigido um curso de educação para compradores de imóveis, por meio de Habitat for Humanity Peninsula and Greater Williamsburg (homebuyer education and financial literacy classes required before purchase). Requisito de residência: 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 Program define seu limite de renda assim: 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. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program limita o preço de compra assim: Home sold at an affordable price so the zero-interest payment (incl. taxes/insurance) is no more than 30% of buyer income. Os tipos de imóvel elegíveis incluem Single Family. Construções novas são elegíveis. Casas pré-fabricadas não são elegíveis.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program atende compradores de imóveis que compram em Newport News, Virginia. O programa é voltado para áreas específicas: Current build cycle targets Charles City County, Hampton, and James City County (2026 application round / 2027 construction).

As inscrições para Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program são feitas por meio de Habitat for Humanity Peninsula and Greater Williamsburg, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de 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. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.