Middlesex Habitat for Humanity Homeownership Program

Middlesex Habitat for Humanity Homeownership Program是面向Cromwell，Connecticut购房者的首付援助，由Middlesex Habitat for Humanity of CT, Inc.管理。 Middlesex Habitat for Humanity builds simple, decent, affordable homes in Middlesex County and sells them to income-qualified first-time buyers using a forgivable mortgage subsidy and a 0% Habitat mortgage to keep the purchase affordable. Selection is based on need, ability to pay, and willingness to partner, including required financial-education courses and sweat-equity hours. Because it is a sweat-equity Habitat purchase rather than standard DPA, it is not stackable with conventional DPA programs. 0% interest Habitat mortgage. Forgivable subsidy lowers purchase price. Below-market home, no standard cash DPA. Financial education + sweat equity. Serves households under 80% AMI. 资金来自Donations, volunteer labor (sweat equity), Habitat fundraising; homes sold with a forgivable subsidy。

Middlesex Habitat for Humanity Homeownership Program是首付援助，按Middlesex Habitat for Humanity of CT, Inc.设定的条款偿还。 触发还款的情形：Affordability/resale and occupancy restrictions via a forgivable mortgage subsidy; standard Habitat 0% first mortgage repaid monthly while occupied。 该援助以First mortgage held by Habitat plus a forgivable subsidy/silent second顺位留置权登记。 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。

Middlesex 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。 关于信用，该项目说明：Score >= 650; no bankruptcy in past 3 years; <= $2,000 cumulative collections/charge-offs; no open judgments/liens; on-time payments。 须参加购房者教育课程，由Habitat financial education courses plus sweat-equity hours building the home提供。 居住要求：Home located within Middlesex County, CT。 Below-market/no-cash DPA: affordability via forgivable subsidy and 0% mortgage rather than a cash grant. Requires 24-month stable income, 650+ credit, no bankruptcy in 3 years, under $2,000 collections, no open judgments/liens, capacity to save $7,000-$10,000. 4-person dollar income limit and purchase-price cap not published. Applications open intermittently when homes are under construction.

Middlesex Habitat for Humanity Homeownership Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income below 80% AMI for household size, per HUD guidelines. 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。

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

Middlesex Habitat for Humanity Homeownership Program服务于在Cromwell，Connecticut购房的购房者。 该项目针对特定区域：Serves Middlesex County, Connecticut。

Middlesex Habitat for Humanity Homeownership Program的申请通过Middlesex Habitat for Humanity of CT, Inc.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。