Gadsden-Etowah Habitat for Humanity Homeownership Program

Gadsden-Etowah Habitat for Humanity Homeownership Program是面向Gadsden，Alabama购房者的首付援助，由Gadsden-Etowah Habitat for Humanity管理。 Gadsden-Etowah Habitat for Humanity is a nonprofit Christian housing organization building simple, decent, affordable homes in Etowah County since 1996. Through volunteer labor and donations it builds homes alongside partner families and sells them at no profit, financed with a 0% interest, 20-year mortgage. Homeowner payments fund a revolving Fund for Humanity. Families are selected on need, willingness to partner, and ability to repay. Newly built home sold at no profit. 0% interest 20-year mortgage. Average cost ~$70,000, ~$375/month incl. taxes/insurance. Homebuyer education and financial coaching. 资金来自Volunteer labor, donations of money/materials, grant funds, and homeowner payments into a revolving Fund for Humanity。

Gadsden-Etowah Habitat for Humanity Homeownership Program是首付援助，按Gadsden-Etowah Habitat for Humanity设定的条款偿还。 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。

Gadsden-Etowah Habitat for Humanity Homeownership Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Partnership Classes and Family Focus meetings (finances, budgeting, credit, home/lawn maintenance) within a minimum 300 sweat-equity hours提供。 居住要求：Must have resided in Etowah County for at least one year。 Verified on the affiliate's official site. Habitat 0% 20-year mortgage model (no fixed DPA dollar amount). Requires need, willingness to partner (minimum 300 sweat-equity hours incl. education), and ability to repay. Income 30%-75% of Etowah County median. Housing ratio cap 30% / total-debt cap 43%.

Gadsden-Etowah Habitat for Humanity Homeownership Program的收入限制如下：Household income between 30% and 75% of Etowah County median family income (for families larger than 4, a higher amount allowed but not exceeding 60% of county AMI). Ability-to-pay: projected mortgage cannot exceed 30% of gross income; mortgage plus long-term debt cannot exceed 43%. All steady income counted. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Gadsden-Etowah Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。

Gadsden-Etowah Habitat for Humanity Homeownership Program服务于在Gadsden，Alabama购房的购房者。

Gadsden-Etowah Habitat for Humanity Homeownership Program的申请通过Gadsden-Etowah 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。