Habitat for Humanity DC-NOVA Homeownership Program

Ang Habitat for Humanity DC-NOVA Homeownership Program ay tulong sa down payment para sa mga bibili ng bahay sa Washington, District of Columbia, na pinangangasiwaan ng Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA). Habitat for Humanity DC-NOVA sells volunteer-built and restored homes in DC (and Northern Virginia) at no profit and below market value to qualified low-to-moderate income first-time buyers. Applicants must fall between 30% and 80% of area MFI, qualify for a non-subprime mortgage, demonstrate a housing need, complete pre- and post-purchase financial education, and contribute 300 hours of sweat equity. Buyers typically pair their mortgage with local DPA such as DC's HPAP. Homes sold below market value at no profit. Affordable monthly mortgage payment. Pre- and post-purchase financial education. Guidance through financing and DPA (e.g., HPAP). No waiting list. Ang pondo ay mula sa Donor and pro-bono partner supported; homes built/restored by volunteers and sold at no profit.

Ang Habitat for Humanity DC-NOVA Homeownership Program ay tulong sa down payment at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA). Kailangang bayaran kapag may Habitat sells volunteer-built/restored homes at no profit and below market value; buyer obtains an affordable, non-subprime mortgage. Subsidy delivered as below-market pricing. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Habitat for Humanity DC-NOVA Homeownership Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time homebuyer = not having owned real estate in the last 3 years. Tungkol sa credit, sinasabi ng programa: Tri-merge middle credit score of 620+. No bankruptcy in the last 3 years and no foreclosures in the last 7 years; no unpaid collections, judgments, or liens. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat DC-NOVA pre- and post-purchase financial education classes. Requirement sa paninirahan: Primary residency OR at least one applicant with full-time employment in DC, Fairfax County, Arlington County, City of Fairfax, or City of Falls Church (this entry covers DC-located Habitat homes). Must complete 300 hours of sweat equity. Must attend an information session before applying. Must demonstrate housing need; 2-year work history; income expected to continue 3+ years; no household member on the sex offender registry. Gaps: assistance amount is embedded in below-market pricing (not a fixed DPA dollar figure); exact resale terms not published.

Nililimitahan ng Habitat for Humanity DC-NOVA Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income must fall between 30% and 80% of Median Family Income (MFI). Per Habitat's 2025 requirements (100% MFI = $154,700): 4-person range is $49,200 (min) to $131,120 (max, ~80% MFI). 8-person max is $173,078. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng Habitat for Humanity DC-NOVA Homeownership Program ang presyo ng pagbili: Homes sold below market value at no profit; price varies by home. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhome, at Condo. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Habitat for Humanity DC-NOVA Homeownership Program ang mga bibili ng bahay sa Washington, District of Columbia.

Dumadaan sa Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA) ang mga aplikasyon para sa Habitat for Humanity DC-NOVA Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted first-come, first-served and processed when complete. Applicant must attend an information session before applying; reviewed by staff and Board. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.