Habitat for Humanity DC-NOVA Homeownership Program

Habitat for Humanity DC-NOVA Homeownership Program是面向Washington，District of Columbia购房者的首付援助，由Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA)管理。 Habitat for Humanity DC-NOVA sells volunteer-built and restored homes in DC (and Northern Virginia) at no profit and below market value to qualified low-to-moderate income first-time buyers. Applicants must fall between 30% and 80% of area MFI, qualify for a non-subprime mortgage, demonstrate a housing need, complete pre- and post-purchase financial education, and contribute 300 hours of sweat equity. Buyers typically pair their mortgage with local DPA such as DC's HPAP. Homes sold below market value at no profit. Affordable monthly mortgage payment. Pre- and post-purchase financial education. Guidance through financing and DPA (e.g., HPAP). No waiting list. 资金来自Donor and pro-bono partner supported; homes built/restored by volunteers and sold at no profit.

Habitat for Humanity DC-NOVA Homeownership Program是首付援助，按Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA)设定的条款偿还。 触发还款的情形：Habitat sells volunteer-built/restored homes at no profit and below market value; buyer obtains an affordable, non-subprime mortgage. Subsidy delivered as below-market pricing. 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。

Habitat for Humanity DC-NOVA 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。 此处的“首次”有例外情况：First-time homebuyer = not having owned real estate in the last 3 years. 关于信用，该项目说明：Tri-merge middle credit score of 620+. No bankruptcy in the last 3 years and no foreclosures in the last 7 years; no unpaid collections, judgments, or liens. 须参加购房者教育课程，由Habitat DC-NOVA pre- and post-purchase financial education classes提供。 居住要求：Primary residency OR at least one applicant with full-time employment in DC, Fairfax County, Arlington County, City of Fairfax, or City of Falls Church (this entry covers DC-located Habitat homes). Must complete 300 hours of sweat equity. Must attend an information session before applying. Must demonstrate housing need; 2-year work history; income expected to continue 3+ years; no household member on the sex offender registry. Gaps: assistance amount is embedded in below-market pricing (not a fixed DPA dollar figure); exact resale terms not published.

Habitat for Humanity DC-NOVA 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。 Total household income must fall between 30% and 80% of Median Family Income (MFI). Per Habitat's 2025 requirements (100% MFI = $154,700): 4-person range is $49,200 (min) to $131,120 (max, ~80% MFI). 8-person max is $173,078. 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8。 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。

Habitat for Humanity DC-NOVA Homeownership Program的房价上限如下：Homes sold below market value at no profit; price varies by home. 符合条件的房屋类型包括Single Family、Townhome和Condo。 新建房屋符合条件。

Habitat for Humanity DC-NOVA Homeownership Program服务于在Washington，District of Columbia购房的购房者。

Habitat for Humanity DC-NOVA Homeownership Program的申请通过Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Applications accepted first-come, first-served and processed when complete. Applicant must attend an information session before applying; reviewed by staff and Board.预留。 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。