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

Ang Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program ay isang unang mortgage para sa mga bibili ng bahay sa Newport News, Virginia, na pinangangasiwaan ng 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. Ang pondo ay mula sa Donations, sponsors, and Habitat affiliate funds; homes built with volunteer and sweat-equity labor.

Ang Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity Peninsula and Greater Williamsburg. Kailangang bayaran kapag may Affordable, zero-interest-equivalent monthly mortgage payments over a 20-30 year term; the home is purchased, not granted. Nakatala ang tulong bilang lien sa posisyong First. 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 Peninsula and Greater Williamsburg — First-Time Homebuyer 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": Cannot have owned a home within the past three years. Tungkol sa credit, sinasabi ng programa: 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. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat for Humanity Peninsula and Greater Williamsburg (homebuyer education and financial literacy classes required before purchase). Requirement sa paninirahan: 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).

Ganito itinatakda ng Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program ang income limit nito: 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. 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 Peninsula and Greater Williamsburg — First-Time Homebuyer Program ang presyo ng pagbili: Home sold at an affordable price so the zero-interest payment (incl. taxes/insurance) is no more than 30% of buyer income. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program ang mga bibili ng bahay sa Newport News, Virginia. Tinutukoy ng programa ang mga partikular na lugar: Current build cycle targets Charles City County, Hampton, and James City County (2026 application round / 2027 construction).

Dumadaan sa Habitat for Humanity Peninsula and Greater Williamsburg ang mga aplikasyon para sa Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. 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.