Calhoun Cleburne Habitat for Humanity Homeownership Program

Calhoun Cleburne Habitat for Humanity Homeownership Program是面向Oxford，Alabama购房者的首付援助，由Calhoun Cleburne Habitat for Humanity管理。 Calhoun Cleburne Habitat for Humanity provides affordable homeownership in Calhoun and Cleburne counties to families who would not normally qualify for a conventional mortgage, offering a 30-to-35-year zero-interest mortgage with payments of ~$450/month including insurance and taxes. Homebuyers invest sweat equity (275 hours single / 550 combined) plus required homeowner education; process takes ~9-12 months. Zero-interest 30-to-35-year mortgage. Affordable payment ~$450/month incl. insurance and taxes. Builds equity via sweat equity. Homeowner education workshops. Veterans Build option. 资金来自Calhoun Cleburne Habitat for Humanity (nonprofit); mortgage payments recycled into building more affordable homes。

Calhoun Cleburne Habitat for Humanity Homeownership Program是首付援助，按Calhoun Cleburne Habitat for Humanity设定的条款偿还。 触发还款的情形：Affordable 30-to-35-year zero-interest mortgage; monthly payments approximately $450 including homeowner's insurance and property taxes。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Calhoun Cleburne Habitat for Humanity Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Calhoun Cleburne Habitat for Humanity (homeowner education workshops; personal finance and home maintenance)提供。 居住要求：Must be a legal resident of Calhoun or Cleburne County for at least one year prior to applying。 公民身份或移民身份：U.S. citizen or permanent legal resident。 NOTE: affiliate states it is NOT currently accepting new applications (intake paused; program otherwise active, recent dedication April 2026). Sweat equity: 275 hours single / 550 combined. $500 down payment if approved; non-refundable application fee. No more than $2,500 in collections; no current bankruptcy; cannot currently own a livable home; must not qualify for a conventional bank loan.

Calhoun Cleburne Habitat for Humanity Homeownership Program的收入限制如下：Total annual household income must not exceed Habitat's limit for the applicant's family size (low-income households who would not qualify for a conventional mortgage). Specific dollar limits not published on site. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为6。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Calhoun Cleburne Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Calhoun Cleburne Habitat for Humanity Homeownership Program在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Calhoun Cleburne Habitat for Humanity Homeownership Program服务于在Oxford，Alabama购房的购房者。

Calhoun Cleburne Habitat for Humanity Homeownership Program的申请通过Calhoun Cleburne Habitat for Humanity办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。