Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program

Ang Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program ay tulong sa down payment para sa mga bibili ng bahay sa Cincinnati, Ohio, na pinangangasiwaan ng Habitat for Humanity of Greater Cincinnati. Habitat for Humanity of Greater Cincinnati's Affordable Homeownership Program partners with applicants who demonstrate housing need, ability to repay an affordable 0% interest Habitat mortgage (payment up to 30% of income), and willingness to invest 200 hours of sweat equity (single applicant) or 300 hours (two-applicant household) plus completion of homeownership and Financial Peace University classes. There is no down payment, though buyers pay up to $1,000 toward the first year's homeowner's insurance premium. 0% interest mortgage with payment capped at 30% of income. No down payment (only up to $1,000 first-year insurance premium). Homebuyer & financial education. Sweat-equity homeownership. Ang pondo ay mula sa Habitat affordable-mortgage revolving fund, donations, corporate/foundation sponsors.

Ang Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program ay tulong sa down payment at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of Greater Cincinnati. Kailangang bayaran kapag may Due on sale or transfer. 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 of Greater Cincinnati Affordable 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": Must not have owned a home in the past 3 years (some exclusions). Tungkol sa credit, sinasabi ng programa: No credit score used; credit report reviewed. No bankruptcy within past 3 years; no foreclosure within 3 years; no evictions within 12 months; no open judgments or liens; no more than $2,000 in uncollected past-due bad debt. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat for Humanity of Greater Cincinnati (homeownership classes and Financial Peace University). Requirement sa paninirahan: Serves Greater Cincinnati region; must be willing to build/buy at available HFHGC build sites. Citizenship o katayuan sa imigrasyon: U.S. citizen or Legal Permanent Resident; two forms of ID required per applicant. Requires 200 hrs (1 applicant) or 300 hrs (2 applicants) sweat equity. No felony convictions for any household member over 18 within past 5 years. Buyer pays up to $1,000 toward first-year insurance in lieu of down payment. Applications currently CLOSED; reopen when build sites available (check the 10th of each month). Lien position, forgiveness years, max purchase price not published online (gaps).

Nililimitahan ng Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program ang kita ng sambahayan sa 60% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income must fall between minimum and maximum monthly gross income by household size (approx. 30-60% AMI). Monthly max: 1 $5,129; 2 $5,863; 3 $6,596; 4 $7,325; 5 $7,913; 6 $8,500; 7 $9,083; 8 $9,671. 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.

Magagamit ang Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program para sa Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program ang mga bibili ng bahay sa Cincinnati, Ohio. Tinutukoy ng programa ang mga partikular na lugar: Current build sites in the Greater Cincinnati area (e.g., Pope Leo Village).

Dumadaan sa Habitat for Humanity of Greater Cincinnati ang mga aplikasyon para sa Habitat for Humanity of Greater Cincinnati Affordable 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 only when build sites are available; check website on the 10th of each month; no waiting list. 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.